davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I was notified that I had an account from XXXX on my credit report in XXXX. I had no idea that this account was opened in my name. Not only was is in my name but it was also in collections due to lack of payment. The last payment that was made on this account was in XXXX. I contacted the credit card company who's name is XXXX XXXX and they had no information in their system on me. They said the account was sold XXXX times and the final holder is Midland funding llc. I contacted Midland Funding and asked them for more information on this account and to please verify it by sending me a copy of the contract that I signed. The only thing that they sent was a copy of a bill coming from their company. The fee has now dropped by XXXX dollar. The amount they say I owe was {$810.00} which is now {$810.00}. I have attempted on numerous occasions to get a copy of the contract with my Identification in the form of a License and or identification card to validate their claim, they have not been willing to do so. Its been more than two months since my last correspondence with them. The young lady who's number I was told to contact is from an lawyers office XXXX XXXX XXXXXXXX is very rude and unprofessional. The only thing I kept telling her is that the bill is not mine and I need proof, she could'nt supply it. I am not willing to pay this bill or late charges due to me not be the one who opened this account. Please help
Consumer complaint received 2021-05-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (IL)

ON XXXX CCS COLLECTIONS DAMAGE MY CREDIT PROFILE WITH XXXX  AND XXXX  WITH A MEDICAL BILL IN THE AMOUNT OF {$570.00} THAT VIOLATES THE FDCPA 15 USC 1692c ( a ) and ( b ) 15 USC 1692e ( 11 ). ON 5-23-2021 CCS COLLECTIONS DAMAGED MY CREDIT PROFILE WITH XXXX WITH A MEDICAL BILL IN THE AMOUNT OF {$570.00} THAT VIOLATES THE FDCPA 15 USC 1692c ( a ) and ( b ) 15 USC 1692e ( 11 ).
Consumer complaint received 2021-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (CT)

On XX/XX/2021 an account was opened using my identity by a company named Security Credit Services and has since been placed on all three of my credit reports as an account belonging to myself. I have no knowledge of this alleged debt and have never heard of such company. I tried on several occasions to make contact with Security Credit Services and on my third attempt, I was transferred to three different people who said they had no record of an account with my name. This has become a nuisance because this debt does not belong to me and I cant seem to get any helpful answers or rectify this situation. I have disputed with all three credit bureaus and XXXX XXXX is the only company to have closed the account ( see attached ). At this point, I am at a loss as to what to do to remove this company from continuing to report a debt that does not belong to me.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

To whom it may concern, In XXXX of 2020 I contacted my mortgage company to defer payment due to Covid 19.

which I was approved for. Earlier that year I had applied for a loan modification which I was also approved for reducing my mortgage payment from {$850.00} to {$760.00} approximately.

I was told that I could defer payment and once the period ends that I would start payment on my loan modification. I was also told that the months that were deferred would be added to the end of the mortgage 's life.

I had to take a live of absence for two months from work due to my XXXX XXXX XXXX from XXXX XXXX XXXX and XXXX treatment that had just ended. As a result I was getting less pay. The mortgage company kept deferring. At the end of XXXX I contacted them to try to continue the deferment but at that time they declined it. I told them that I could not resume the payment at that time and asked them to please continue the deferment until I can catch up. They refused so I was falling behind. They told me to re-apply for the modification and was denied and disputed it and was declined again. Now they were telling me that they feel that I can not make my payments and could not afford this place. 
I wanted to start making payments online and could not. I contacted them and then was told that my account was sent to a law firm for foreclosure. I told them that I do not want to foreclose and would like to start making payments. I had been putting the money in the bank. 
As of today I was not contacted yet by any law firm most likely because of the mandates in regards to Covid 19 and refraining them to foreclose and forcing people to loose their homes. The mortgage company told me that the only way to be current is to get re-instated. In XXXX I requested the re-instatement figures. It took about a month after many calls. When they gave me the figures I was in shock. I thought that the figure would be for the three months at the time that I was delinquent but they included everything since XXXX of 2020. I told them that this was unfair because the deferred payments should be added the end of the loan. 
I feel that this is a set up for people to loose their homes. 
Please advise ...
Consumer complaint received 2024-03-22
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 am writing to file a formal complaint regarding the presence of fraudulent items on my credit report despite multiple attempts to have them removed. These inaccuracies pose a severe threat to my financial well-being and reputation and must be addressed immediately. 

Despite my repeated efforts to dispute these fraudulent items through various channels, including phone calls, written correspondence, and online dispute forms, they continue to appear on my credit report. These inaccuracies not only undermine my financial credibility but also expose me to potential identity theft and financial losses. 

I have provided supporting documentation to substantiate my claims of fraud. Furthermore, I have diligently followed all prescribed procedures outlined by the relevant credit reporting agencies, yet the fraudulent items persist. 

As the presence of these fraudulent items poses an imminent threat to my financial security, I hereby demand their immediate removal from my credit report. I expect your team to conduct a thorough investigation into the matter and take prompt corrective action to rectify this egregious error. 

Additionally, I urge your organization to implement enhanced security measures to prevent future occurrences of fraud and to provide transparent communication throughout the resolution process. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX {$5300.00} XXXX XXXX {$10000.00} XXXX XXXX {$3700.00} XXXX XX/XX/2023.
Consumer complaint received 2021-05-24
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. (TX)

I received an alert that a new account showed up on my credit report for a loan that I have never applied for and don't want this on my credit report or want it to lower my credit scores being I never have applied for a loan with XXXX XXXX XXXX
Consumer complaint received 2021-05-24
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. (MA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. I would like it removed from my credit history report XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX 1 Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following information is outdated. I would like it removed from my credit history report XXXX  XXXX 1 Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2021-05-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (NY)

As a consumer ( XXXX XXXX ) and the one with ALL THE POWER, THE REAL REAL POWER, this account on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission. Erroneous RESULT OF The XXXX /XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  XXXX and XXXX. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Aslo i request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. Please see attached invoice and issue proper CONSIDERATION for damages I suffrered immediately upon receipt of this letter.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This complaint is in response to the attached letter provided by XXXX XXXX in which XXXX XXXX advanced a false claim that a corporate credit card debt is mine as the former signor for the company. 

I never signed any agreement either in ink or electronic signature stating or acknowledging that I am responsible for the corporate card debt. I challenge XXXX XXXX to provide such proof. Such proof does not exist. 

XXXX XXXX must stop this abuse in the next 15 days response required of this complaint or the complaint will be escalated by the Federal Trade Commission to investigate and concurrently letters will be submitted to Senator XXXX XXXX and Representative XXXX XXXX with oversight over financial fraud to hold XXXX XXXX accountable for consumer fraud activities by deliberately passing a business debt for personal debt.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Applying for a mortgage loan and XXXX XXXX said when they pulled the credit report there were items in the Disputed Accounts section. I have called each credit agency XXXX, XXXX and Experian and all of them say that they are not seeing the following accounts in the Disputed Accounts section but the bank says they are incorrect. Need these accounts removed from the Disputed Accounts section ASAP. they show no issues with payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX and Experian
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (PA)

I disputed this account that reports on my 3 major credit reports multiple times. I ask for validation of this debt and was specific. In what services or etc. Dates, payment history anything but only recieve something recently that only has the amount reporting to credit reports. I contacted XX/XX/XXXX. XXXXat XXXX this time with the original creditor *XXXX* in which I have a active positive account with. 
I spoke with a nice rep named XXXX, she lookup the past account and see I did owe {$190.00} with them that I can settle with them but have to handle bill with their outsource company which she made clear is XXXX XXXX XXXX  she didn't have any knowledge or see anything of the amount of {$1100.00} from ( Caine & Weiner ) and that can't be verified. So my question is How XXXX, XXXX, and XXXX  has verified this info? and I spoke with the original creditor and have a active business with them in good standing. I hope this account can be validated and verified as it is my right to have. This 3rd party 's has the burden of truth not pull numbers and accounts from anywhere. If the original creditor couldn't verify this false info on my credit report how is this Collection Company can? If its not legit IT MUST BE DELETED from reporting on my credit report or I need to put a fraud case in.
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have a Capital One Spark Business account. I have not been able to access transactions, funds, balances, statements, or anything since XX/XX/2021, ( about 3 months ). I have called and every time I call I am on hold for 45 minutes - 70+ minutes. They have requested documents from me to verify my business and I have sent them several times however they keep telling me they aren't receiving any documents. I have emailed them and faxed these documents and have proof that I have sent them. Outside of 2 out of the many people I have spoken with the customer service is cold, inconsiderate and rude. They keep giving me the run around and my business has suffered greatly. They told me several times I would be contacted back however no one has contacted me back in months. You can only imagine what type of affects on a business it will have not being able to access any funds for 3 months. This is the worst experience anyone can deal with regarding a bank. A bank that is supposed to keep your money safe for you and help handle financial services. However, the bank just takes your funds and won't let you access it for months without any clear reasoning. I requested statements and never received any. There could also be unauthorized charges on the account. However I am unable to even see or access any transactions on the account.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Origen Financial Services LLC (CA)

applied at XXXX XXXX XXXX XXXX  for residency only with the management company XXXX XXXX XXXX XXXX XXXX XXXX pulled credit on XX/XX/XXXX. we gave her the application on XX/XX/XXXX and she pulled my moms and mine XX/XX/XXXX. she did not tell us we were denied until 22 business days after we applied. XXXX XXXX was extremely unprofessional and delayed the purchase of the mobile home XXXX XXXX XXXX, XXXX XXXX, ca XXXX my mom made 3 times the rent, had excellent credit and have lived in a rv in the park for 1 year. 
we had to fix everthing that was not ours in backgrounds and without our knowledge XXXX XXXX pulled our credit XX/XX/XXXX. she waited 18 business days to let us know we could be residents.

we did not authorize her to pull our credit the 2nd time and she did not even tell us we were having it pulled. 
XX/XX/XXXX i left XXXX XXXX XXXX XXXX  because of substandard unhealthy conditions where my rv was parked at XXXX XXXX. 
my mom and i appled for residency at XXXX XXXX in XXXX where we were accepted then 2 days later denied. my mom spoke with XXXX on the phone and the phone was on 3 way so i witnessed what XXXX said. she said she spoke withy XXXX XXXX of XXXX and she told him i was banned by XXXX XXXX XXXX XXXX 
blacklisting is against the law and XXXX blacklisted my mom and myself. 
i am XXXX XXXX with a XXXX XXXX XXXX injury and my mom has XXXX  XXXX.
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Oregon Credit & Collections Bureau, Inc. (CA)

On or about XX/XX/XXXX I received a strange voicemail stating I needed to call a number regarding a court case against me. I called the number was told they were merely an answering service, and was transferred to an outside " office ''. 

A woman answered, she stated she worked for an attorney. The woman actually gave me information about myself, including my current address and place of employment. 

The woman stated this was regarding a credit card from back in XXXX with a credit line of {$300.00}, stating that payments to this card stopped within that year ; she then stated they were going to obtain a judgment against me for {$8700.00}. I informed her this has to be fraud, as I did not have a credit card in XXXX and have had many loans for cars and a home after XXXX, surely this would have been brought to my attention during any of those transactions. I asked her for proof, she became difficult to deal with, stated that they do not make appointments to " serve '' me with paperwork. I asked her then how am I to know what this is really about and be able to speak on my own behalf? The woman stated that I clearly did not want to know the information and didn't care and repeated that they would just get a judgment against me. 
I stated to her that not only was this fraud, tis happened 19 years ago, if this was valid, statute of limitations expired many years ago. 
The woman would not assist me, would not give me information to be able to obtain any paperwork so that I could fight for myself and the call was ended. 

From this point, I called the local courthouse in XXXX XXXX, I was told they had NO open cases with my name attached, and that there was a lot of fraud happening, and this fit that description as they would have to had any hearing in my local county. I then checked the Oregon court website to find if they were trying to serve me in XXXX Ca. and hold court in Oregon, which is not to be done ; I found no open court cases with my name and neither XXXX courthouse or Oregon court yielded any results for the " case number '' I was provided by the woman on the phone. No one ever came to my home, nor my place of employment to attempt service. 
Recently, Oregon Credit & Collections Bureau Inc. sent paperwork to my place of employment to attempt garnishment in the amount of {$8700.00}, stating they did not know my address and they rolled the date to XX/XX/XXXX so they can now be within statute of limitations. At o time have I ever received anything in the US mail over the last 2 decades regarding this so called debt.
Consumer complaint received 2021-05-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.