davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Eastern Account Systems of Connecticut, Inc. (GA)

Eastern Accounts Systems of Connecticut , Inc has created a faulty account in my name, alleging that I owe them a debt of {$160.00}. According to their claim, they sent me a letter 30 days ago, which I did not respond to. However, I have never received any such letter, nor do I recognize any debt owed to this company. Additionally, they have failed to provide any receipts or proof that I am the rightful owner of this debt, or that they did indeed send the alleged letter. 

To emphasize my stance, I have not made any payments to this company, and I firmly contest the validity of their claim. They have initiated an unauthorized, unverified, and inaccurate request for payment of a debt that does not belong to me. Moreover, Eastern Accounts Systems of Connecticut , Inc has threatened to report derogatory information to my credit report, which is not only unwarranted but a violation of the FCRA ( 15 U.S.C 1681b ). I have never provided consent for this company to report any information to my credit report. Within the letter they sent to me states they have already reported this information to my credit report. 

This situation is particularly troubling as it appears to be a case of identity theft or misuse. I hold Eastern Accounts Systems of Connecticut , Inc accountable for their unauthorized use of my credit and demand that they immediately remove, delete, close, or eradicate any inquiries, accounts, or claims related to this issue from both my credit report and this includes all major credit bureaus such as XXXX, XXXX, XXXX and their business system. 

A certified letter has been mailed to the company today
Consumer complaint received 2024-05-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Healthcare Management, LLC (CO)

My husband, XXXX XXXX was hospitalised in 2018 in XXXX XXXX. It was turned over to A-1 Collections. My husband had it successfully removed from his credit report with all 3 credit bureaus because of how A1 collections does business. They were removed and then A1 Collections sued us in the local judicial court and because we have no means to hire an attorney then they put it before a judge and the judge ruled in favour of the collection agency and now we have to pay even more than the original bills. interest of XXXX attorney fees. XXXX and court costs of XXXX. That is extortion. I am not sure how my name can be on this judgment as this debt does not belong to me.. I want the judgement removed and A1 needs to pay a fine to do this to people. It's wrong and unethical.
Consumer complaint received 2024-01-08
Product: Credit reporting 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 noticed a debt collector XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX reported on my credit report on XX/XX/2023. I have no knowledge of this account. Someone has gained access to my social security number without my written consent to apply for anything in my name. Furthermore this debt collector XXXX XXXX XXXX has no license to collect any debt in the state of Georgia. Can you remove this collection off of my report or I will have to purse legal matters. 

15 U.S. Code 1681c2 - States to Block any information resulting from identity theft. 

Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (CA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX .... Balance {$6500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/2020 ;
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Empire Financial Services, Inc. (MO)

XXXX is in Violation of the FCRA REPORTING ACT. I Have Two Accounts that was accidentilly deleted from my XXXX consumer report in a dispute. XXXX Deleted two accounts that should not have been deleted I have since reached out to XXXX about this matter which I was told that the original creditor would have to resubmit the two accounts and add them back in to XXXX. so I reached out to the Original Creditor Empire Financial to let them know about the two accounts that are not showing on my consumer report XXXX  Paid off Cars and Empire Financial went in and resubmitted the two accounts I have documents from the Empire Financial that I will attach to this complaint with the two accounts and account Numbers and the name of the person at Empire Financial who resubmitted the two accounts. These two accounts should have been put back on my consumer report instantly I was told from a supervisor at XXXX but its been also 30 Days and these two accounts are still not back on my consumer Report Empire Financial Person who Resubmitted the Two Accounts : XXXX XXXX Account Number : XXXX Account Number : XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my consumer report and noticed a late payment on an account that was never late. The consumer reporting agencies have assumed a vital role and are responsible for reporting consumers ' information to the best of their ability with maximum accuracy. I have never been late on payments for the account i have included a screenshot inside this complaint on the dates of XXXX. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided I demand that this account payment be updated to paid as agreed on time as they should be since I was never late. Thanks! PLEASE SEE SCREEN SHOT ATTACHED
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VIRTUOSO SOURCING GROUP, LLC. (IL)

I cancelled XXXX services. They claimed I had a contract with them and couldn't cancel until XXXX. When I asked for a copy of my signed contract, they sent me an XXXX contract without my signature. XXXX them claimed that it was a verbal contract. Since XXXX phone system states that calls are recorded, I asked them to send me a copy of the recording were I entered into a verbal contract. I never received this either. I moved into my in XXXX and XXXX was already installed. We never signed a contract, we continued to pay until XXXX when we realized we didn't use it and could save money by cancelling it. When I called to cancel, this is when they told me first that I had a written contract and when they couldn't produce that, that I had a verbal contract ( which again, they can't/have n't produced ). They sent to Virtuoso Collections. On XX/XX/XXXX, I sent a letter to Virtuoso disputing the charge and requesting a copy of written or verbal contract from XXXX. Not only did they not provide this, they continue to call multiple times per day even though their letter says they will stop calling once I disputed. In addition, when they call, I have asked them to only correspond with me in writing. I am requesting a copy of the alleged contract. I am following the rules and Virtuoso should also. I resent my XXXX letter to Virtuoso virtually on XXXX. If they can produce a valid contract that shows I entered into an agreement with XXXX, I will pay the amount due- {$200.00}. I have been asking XXXX and Virtuoso for this " contract '' for months verbally and in writing. Neither have produced anything.
Consumer complaint received 2024-04-04
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting 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. (TX)

Transunion was provided my information to legally change my change. Instead of updating my score, they created a seperate profile that has no credit information listed. I've asked for this to be updated and was told no after dispute and sending all requested documentation. They are asking me to have all my credit vendors updated which I have, but then any closed account or even collection will no longer show up on my account providing misinformation to creditors across the board. As great as having a clean slate is, its unfair that my positive history is no longer showing and that my report is innacurate and preventing me from closing on my home.
Consumer complaint received 2023-10-04
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. (NY)

I tried to le my taxes and it did not go through. My accountant advised me that it did not go through because I was claimed as someones dependent. I never authorized anyone to use my information and denitely am not someones dependent. I feel as if I am a victim of identity theft. I was advised to report this to the credit bureaus. I called XXXX and they told me I had to report this on here as well.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

All these companies these on my credit report I know nothing about especially credit acceptance thats why I have a low score I dont even work anywhere i am waiting on my disability I never received my rebate check when I filed it .I got a letter to come in to make sure it was me but never got to because mom lost her car during the pandemic when she lost her job at home due to discrimination
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am writing to file a formal complaint regarding the unresolved issues on my credit report. Despite my initial attempts to rectify inaccuracies, including the reporting of a late closed account, an account included in bankruptcy, and a public record, the information remains unchanged. 

Despite providing relevant supporting documentation and following the proper dispute procedures, there has been no resolution, and the inaccuracies persist. 

Enclosed with this letter, please find additional supporting documentation reaffirming the inaccuracies in question. I have attached : I request that your agency conducts a thorough and expedited investigation into the inaccurate information mentioned above. The continued presence of this misinformation is causing significant harm to my creditworthiness, and I insist on prompt corrective action. 

If a resolution is not achieved promptly, I am prepared to escalate this complaint to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 

Conduct a thorough investigation into the inaccuracies outlined. 
Correct the information promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. I am asking for your assistance to remove tthe said items items in my credit file : XXXX XXXX XXXXXXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance : {$2200.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For false information appearing on my credit report, I filed disputes with XXXX, XXXX, and TransUnion. I informed them of their violations to my consumer report and provided a list of the accounts. They have not responded in excess of 30 days. All of the letters that were sent are attached below.

By failing to mark this disputed account as disputed, this company has violated FCRA 623 ( a ) b ).

Since this account 's last activity date is reporting, 605 ( c ) is operating if the period has also been broken. The last date on which a payment was made should be reflected.

The Federal Trade Commission believes that this company has consistently neglected to verify this collection account, thereby breaching FDCPA 809b.
Consumer complaint received 2023-05-28
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681a 2 ( A ) ( i ) : excludes information that is solely based on transactions or experiences between the consumer and the creditor.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I have suffered identity, theft, and fraud. I never consented to the following accounts, or have any recollection of any transactions.

My personal financial information is private and non public. The Gramm-Leach-Bliley Act ( GLBA ) focuses on the privacy of nonpublic personal information held by financial institutions. Under the GLBA, financial institutions are required to provide consumers with privacy notices that explain their policies and practices regarding the sharing of nonpublic personal information with non-affiliated third parties. XXXX, XXXX and XXXX are PRIVATE companies that are non affiliated. My personal financial information is private.

Furthermore, the GLBA generally allows consumers the opportunity to opt out of certain information-sharing arrangements with non-affiliated third parties. Financial institutions are obligated to inform consumers about their right to opt out and provide a method for them to do so if the institution intends to share nonpublic personal information in a way that triggers this opt-out requirement. 


JPMCB never contacted me about these accounts being opened. They never had my personal verbal or written consent. validation of my name, address, phone number is not sufficient evidence that I ever opened these accounts with my personal knowledge. 

I ask JPMCB to show me proof that they have my consent or permissible purpose to report and cause me damage. 

In so ruling, the XXXX XXXX concluded that a consumer alleging a willful violation of the FCRA does not need to prove actual damages to recover damages of not less than {$100.00} and not more than {$1000.00}. 

and under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX proves that a contract doesn't establish proof that a debt is owed.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I wrote XXXX checks on XX/XX/XXXX for XXXX Estimated tax payments to the " United States Treasury '' for {$25000.00} and the " New York State Income Tax '' for {$15000.00}. The checks were mailed at my local XXXX XXXX XXXX but instead the XXXX checks were stolen and altered to read " Pay To The Order '' of two unknown individuals, XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. My estimated tax payment checks were never received by either the IRS or New York State Income Tax. After I filed my XXXX Individual Tax Returns on XX/XX/XXXX, I received a Notice from both the IRS dated XX/XX/XXXX and XXXX Department of Taxation and XXXX dated XX/XX/XXXX. The notices were to tell me that I had underpaid XXXX estimated taxes which I had filed on my XXXX XXXX returns as paid for. I had to pay for the unpaid estimated taxes + penalty + interest. I have attached the two notices for your review. 
As soon I received the first notice from the IRS dated XX/XX/XXXX, I went immediately to a branch of CapitalOne Bank in XXXX and reported that check XXXX was a check fraud. I also filed a police report at XXXX Police Precinct. CapitalOne Bank emailed me and told me that it will be some time before they can address my cases. Also attached are copies of the original CapitalOne Bank checks no. XXXX, payable to the " United States Treasury '' and no. XXXX, payable to XXXX  Estimated Income Tax, both dated XX/XX/XXXX. CapitalOne Bank requested that I get an Affidavit of Altered Check notarized and returned to the bank. 

Furthermore, I have become a victim of Identity Theft. When my CapitalOne Bank checks no. XXXX and no. XXXX were stolen, my Social Security number was written on the checks. h Please advise what else I should do before taking steps to find legal counsel. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2024-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (VA)

I received a notice ( physical mail ) from my mortgage company about upcoming changes to the transfer of the servicing of my mortgage. I had questions about the notice such as whether I need to make changes to the online account, payment process, etc. I decided to call the customer service number provided in the letter to ask for clarifications. This was the first time I try to call the company since the my mortgage was transferred to them XXXX years ago. To my surprise, this " customer service '' number is automated only. It does not allow you to talk to a human being. Apparently, I am not the only customer having this problem with this company by searching online. I was able to find additional numbers online. When I call these numbers, all of them lead to same automated system. One number is for " social media executive team! '' - there is no human being still. When I called my home insurance company ( XXXX ) to notify them of the upcoming changes, I was told that " Mr. Cooper is notorious for not having no one to talk to ''. 

So a massive financial institution with the size of Mr. Cooper ( XXXX employees ) does not have human beings to service their customers. What am I missing here? In my life I dealt with at least XXXX different mortgage companies. This is the first with no customer service. This is not acceptable and shouldn't be allowed. I assume that customers have the right to contact their mortgage companies and talk to a human being and questions. The phone numbers to the human beings should be included in a notice such as the one I received.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (FL)

XX/XX/2024 Disputed XXXX  XXXX charge off to be deleted from credit report XX/XX/2024 Disputed XXXX XXXX  charge off to be deleted from credit report XX/XX/2024 Disputed XXXX XXXX charge off to be deleted from credit report XX/XX/2024 Disputed Upgrade Inc charge off to be deleted from credit report XX/XX/2024 Disputed XXXX closed account to be deleted from credit report
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo is trying to collect ovedrafe fees and interest from a decade old closed account. Fee that stack ontop of fee in a well know scam. But instead of the court ordered rebursal the scam caused their trying to get me to pay them XXXX grand for " overdraft fees ''