davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: ENCORE CAPITAL GROUP INC. (TX)

To whom it may concern ... my name is XXXX XXXX ... my family and I have recently been affected by the COVID 19 pandemic, not in a health way ... however in a workforce way ... we have been laid off by our employers in XXXX and have absolutely XXXX income coming into the household right now. I understand the importance of keeping up with my payments and bills however I have the following outstanding accounts right now : MIDLANDCRE for {$2300.00} I am currently in no position to be able to pay back these creditors, as my family and I do not know how long the quarantine will last. All I am asking for is help, relief, sympathy and understanding to be able to get these items removed off of my report.
Consumer complaint received 2018-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (FL)

The company failed to provide proof of debt pursuant to the FCRA and the FDCPA after I questioned the validity of a debt. 

The company provided a computer statement which under no circumstance do I accept a Computer Statement as a proof of debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts posted and or reported on a credit report. 

Under the FCRA, unverified, invalid accounts must be removed from all credit reporting agencies. 

The law is very clear as to the Civil liability and the remedy available for the " negligent noncompliance '' ( FCRA Section 617 ) by not complying with this Federal Law.
Consumer complaint received 2023-05-10
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: ALLY FINANCIAL INC. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Consumer complaint received 2023-10-07
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-04-02
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. (FL)

Denied credit line from XXXX XXXX due to delinquent student loan report on credit report. Contacted XXXX since I had been paying on my account and filed a dispute with TransUnion. XXXX informed me that they did not report to the bureaus as my account was not in default. I then received a forbearance. Dispute from credit bureau stated info correct. Contacted XXXX again where they verified the loan was not in default and had not been reported to the credit bureaus. Sent a letter that states as much. Filing another dispute with crwdit bureaus with documentation attached. Contacting this agency with concerns the reporting is obviously fraudulent. I believe local law enforcement agencies and XXXX County School District depts. responsible for fraudulent reporting as means of retaliation for grievances, complaints, and EEOC claims of bullying, harassment, discrimination, and retaliation.
Consumer complaint received 2023-10-07
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. (CA)

XXXX removed And XXXX removed all items and experian is the only credit company who is not following through My identity and my business was comprised accounts were opened and used under my name and social and Id and I have suffered a lost because of all this I would like it removed from my credit report
Consumer complaint received 2023-10-07
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, I mailed a check from the corner of XXXX and XXXX in XXXX IL XXXX to a realtor in Maine for {$2700.00} in payment for a house rental. On XX/XX/2022, this check was deposited at the XXXX XXXX XXXXXXXX in XXXX by someone with a signature that was very hard to read, but looked like XXXX XXXX XXXX. 
Since this deposit was not even made in the State in which the payee is located, it was obviously fraudulently deposited ( probably stolen from the mail ). I complained to my bank, Chase, right away. They told me it would take 90-120 days to resolve. 
At this time ( more than 6 months later ), I am still waiting for resolution. Chase tells me they have submitted the complaint to the XXXX XXXX XXXX and requested the funds be returned, but XXXX XXXX XXXX has not responded to them. They have submitted the claim at least twice. Chase says there is nothing more they can do to reimburse me in the mean time. I have asked them to protect me as their customer and uphold the safety of writing a check on an account with them. They have said there is nothing they can do.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (FL)

I have a bank account with Square which is through XXXX XXXX. 
XXXX XXXX paid for a XXXX XXXX for a specific project that had a due date oXXXX XXXX  XXXX not only was it not completed by XXXX XXXX but the project hasn't even started by that date. We went ahead and held them off and canceled the project completely since it hasn't even started.

the Company said they will refund us but never did. niether did they provide any service what so ever.

I contacted Square and filed a dispute on it and explained the situation.

MORE THAN THAT, I went ahead and provided the clear proof and communications of the developer admitting he failed to deliver and promising the refund and where I have advised them I no longer need the project.

I sent this all to Square. 

It is now over XXXX weeks later since submitted and still I do not have access to the funds and my business is stuck for a month now and held back from a project that we desprately emergency need completed. 

I understand that XXXX XXXX has typically 30 or 60 days to finalize and complete any investigation. however, this is not in place to take extra advantage of customers. this is in place so they have time in the case of deeper investigations. in this case I am very unsure of what is taking 4 weeks and why my business deserves to have funds for an important project stuck for 4 weeks by now on a charge that the merchant has already agreed that they did not complete or began the service/project ... .. it is really really stressful and overwhelming and I need a response as to why this is now being 4 weeks and my business hasn't yet been able to move forward Square Account Number : XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

well some time in XXXX I called the mortgage which is wells fargo to ask how much would it be to add taxes and home owner insurance to the mortgage and they said they would check and see and get back with but when they got with me it was a statement with the new payment amount with taxes and insurance added in so they never got back with me to see if I wanted to take it so they added it with out permission and now they are saying they can not remove it and not adding my payments to my account
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

Upon checking my credit report Ive seen accounts thats listed on all three of my reporting bureaus these account do not belong to me! I have been trying to get these removed for quite some time now and theyre sending me alerts that the accounts are verified and accurate but I know for a fact that isnt true and these account DO NOT BELONG TO ME! 

There are two accounts reporting on my XXXX, Equifax & XXXX under the name 1.XXXX XXXX 2.XXXX XXXX These accounts appear to have been open in XXXX I need these to be removed! Please remove these negative items from my report and update my accurate information as Ive requested!
Consumer complaint received 2023-10-07
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. (NC)

This is my fourth 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 XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00}.
Consumer complaint received 2023-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

EXPERIAN CREDIT AGENCY HAS BEEN REPORTING INACCURATE INFORMATION FOR SEVERAL YEARS EVEN AFTER I HAVE FILED POLICE REPORTS AND REORTS WITH THE FTC THEY HAVE YET TO FIX IT. I WANT TO SUE THEM AND HAVE THE FILES REMOVED. XXXXXXXX  for {$5400.00} XXXX XXXX XXXX for {$15000.00} and XXXX XXXX XXXXXXXX for {$0.00}
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (TX)

There are several inaccuracieson this account that's reporting different account numbers to XXXX XXXX and XXXX XXXXXXXX. There is no last payment reported to XXXX and last date of payment reporting to XXXX is XX/XX/2023, which is inaccurate information. The high balance is reporting {$1000.00} on XXXX and {$1500.00} on XXXX. The last date of activity is also incorrect with XXXX reporting XX/XX/2023 and XXXX reporting XX/XX/2023. I recently found out the account was sold to another agency which is reporting inaccurate information to XXXX. This is causing my credit score to be drop and is affecting my ability to obtain new credit.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (PA)

To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an EWS report. Otherwise, anyone paying for my reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file for all accounts listed. Your failure to positively verify these accounts has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed. 

Please verify the accounts or remove them immediately.
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NY)

I mailed a dispute letter with Jefferson Capital Systems to validate a debt. This took place XX/XX/2022. Ive been sick & forgot about things as my health was more important. To date I havent received a reply back to validate this debt of over {$1400.00}. Its been well over 30 days & I should have received some as per law. I will mirror this letter and send a copy to the XXXX XXXX XXXX.
Consumer complaint received 2023-12-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NJ)

A company called GENESIS CREDIT MANAGEMENT has reported a collection account to my credit report, on behalf of XXXX XXXX an apartment complex in XXXX PA. I never lived in this apartment before, I dont owe them money
Consumer complaint received 2023-10-07
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. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$9400.00} ; XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX : {$7700.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-17
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I was struggling on my payments try to get help with the HUD and fill forms no help was provided. The house went to foreclosure and the bank got more that what it was own on the mortgage but I was never approach to get some money made from the sale. Now I found the information that I can get all the money that was own of the profit that the bank got went the house went to foreclosure. The bank was liable from some lawsuit that I probably was part of. Wells Fargo
Consumer complaint received 2023-10-07
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00}
Consumer complaint received 2023-05-10
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 open on XX/XX/2020 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
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (TX)

There are several inaccuracieson this account that's reporting different account numbers to XXXX XXXX and XXXX  XXXX. There is no last payment reported to XXXX and last date of payment reporting to XXXX is XX/XX/year>, which is inaccurate information. The high balance is reporting {$1000.00} on XXXX and {$1500.00} on XXXX. The last date of activity is also incorrect with XXXX reporting XX/XX/year> and XXXX reporting XX/XX/year>. I recently found out the account was sold to another agency which is reporting inaccurate information to XXXX. This is causing my credit score to be drop and is affecting my ability to obtain new credit.
Consumer complaint received 2023-07-26
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. (FL)

Upon reviewing my credit report, I have identified certain items that have not been adequately verified or substantiated by the respective furnishers. It is my right as per the Fair Credit Reporting Act ( FCRA ) to seek the necessary verification of these items to ensure the integrity and accuracy of my credit report. 

I kindly request that you initiate a thorough investigation into the following unverified information items 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-07
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$44000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-04
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. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.