davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (TX)

Midwest Recovery Systems reported a collection account on my credit that I do not owe. I was never contacted nor informed that they had this debt neither was I informed that they were putting anything on my credit. I requested validation of the debt via certified mail. However they have not sent me anything and it's been over 4 months. I have insurance and I don't owe this debt
Consumer complaint received 2022-12-31
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. (FL)

This is my 5th 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I got a copy of my credit report and saw, that there is information which NOT belongs to me. I have never applied for these accounts, i don't have contracts or agreements WITH MY SIGNATURE which proofs, that these accounts are mine. I believe, that i was victim of identity theft.
Consumer complaint received 2021-06-17
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: JPMORGAN CHASE & CO. (MS)

The chase account jpmorgan is incorrect. They caused the problem with COVID not doing job right I was with them every 15 to 30 days as I was told then in XXXX they were suppose to have a program to fix me pay 3 payments for 3 mos. then it would all correct then. In XXXX I then found out that person never did that correctly or had authority. The Now a lady has all for XXXX a month for 50 mos. auto pay and no interest and in the 3 months. They would fix. Which would be XXXX. I have paid and tried to pay always. Chase messes me over and it has snow balled. I have all documentation. Please help and fix.
Consumer complaint received 2022-12-31
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-03-18
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. (TN)

This is the first time I have never encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security had already been filed. Please delete these unknown items from my report. 

XXXX XXXX XXXX {$3000.00} XXXX   XXXX {$560.00} XXXX  XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX XXXX {$350.00} XXXXXXXX XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX XXXX {$520.00} XXXX  XXXX {$120.00} XXXX   XXXX {$82.00} XXXX  XXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX   XXXX {$310.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} US DEPT VETS XXXX {$0.00} XXXX XXXX {$22000.00}
Consumer complaint received 2020-03-17
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. (NY)

Experian Credit report company unauthorized freeze on my online account not allowing me to communicate online put Unauthorized statement on my account Will not delete information 8 to 20 years old report information as old 1998
Consumer complaint received 2024-02-24
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. (TX)

15 U.S. Code $ 1681c-2 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, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Consumer complaint received 2022-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After careful review of my consumer report I noticed inquires that were unfamiliar to me. Please see the following list of inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-26
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: Experian Information Solutions Inc. (TX)

After careful review and consideration of my annual consumer credit report, I noticed there were hard inquires from companies in which I never authorized to obtain my credit report from the credit reporting agency. The following inquiries are unfamiliar to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is trying to collect on an unknown debt in the amount of {$650.00} dated XX/XX/2016. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Consumer complaint received 2021-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have sent multiple request and I feel like Im being ignored. I sent letter after letter highlighting these inaccurate items caused by identity theft. The other bureaus recognized these items as inaccurate and deleted them. I sent proof of that and still not answer. FDCPA Section 807 clearly states that inaccurate items must be deleted. I have asked for verification and still as of today over 180 days later no verification. No original contract, no personal information, no who did you speak with to verify. I demand these inaccurate items be removed immediately. These are violating my right and I have no other choice to proceed to legal action. This is a direct violation of 15 us code 1692. My information was also impacted in the XXXX and XXXX data breaches.
Consumer complaint received 2021-06-17
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. (OH)

I have some major issues with bad addresses and fraudulent accounts appearing on my credit file. Someone applied for and received accounts with XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am disputing these items under FCRA XXXX, XXXX, XXXX. 

THE FOLLOWING ADDRESSES ARE FRAUDULENT PLEASE REMOVE : XXXX XXXX XXXX XXXX  XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX  VA , XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX I have never seen these addresses before on my credit file and I believe one or more of these addresses was used for the fraudulent activity on my credit profile. I am filing my police report today and a FTC ID theft complaint as well.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I had a Mortgage loan with XXXX  XXXX, and in XX/XX/2019, I had my loan refinanced by XXXX XXXX, the loan was paid in full to XXXX on XX/XX/2019, but the problem is XXXX   XXXX is reporting the the Credit agencies that I was late 30 days in the month of XX/XX/2019 and XX/XX/2019, I have called them several times explaining the mistake they made, and still XXXX do not fix the issue, Also I have contacted the Credit agencies especially Experian to try to address and get it fixed, but experian is not taking any action to correct my credit report, even I have provided withe the proof that may loan was paid off on time to XXXX, also XXXX had acknowledged that there was an error on their part, however since XX/XX/2019 still has not fixed the mistake they made with the credit agencies
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MI)

I closed on a refinance with Mr Cooper Home Loans on XX/XX/XXXX. 

I was told I would not have to make my XXXX payment and that my first payment with the new mortgage would be in XXXX of XXXX. 

They took out my XXXX payment anyways and are telling me it's because I didn't cancel autopsy despite their website telling me I didn't have to. They told me the Loan Officer should have warned me and now there is nothing they can do about it. 

This is causing me great financial harm and distress because I actually had that money earmarked for an earnest money deposit on a house my wife and I are trying to buy and I don't know if I can make that happen now. 

I don't know what else to do.
Consumer complaint received 2022-12-31
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: CAVALRY INVESTMENTS, LLC (PA)

There is a XXXX XXXX in the amount of {$4400.00}. I had contacted the bank in regards to this matter due to someone finding my wallet with my social security card and drivers license and stealing my identity. This has been an ongoing issue and I can not get this resolved. At this point they are reporting a balance and an account that is open. I had provided them with a police report and a written statement proving that my identity had been stolen. There was no further action taken on their end. This is hindering me from obtaining credit.
Consumer complaint received 2022-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (OK)

On the evening of XX/XX/XXXX around XXXX AM Central Time, I went through the app OfferUp looking to buy an electronic device called a Steam Deck. I came in contact with a " seller '' named XXXX. We talked about price and we agreed on {$800.00} and that we'd do it through cashapp and he would give me a picture of " his ID ''. After this we carried the conversation over to texting. I gave him my address for shipping and sent him the money. We continued talking for a very short time after. Once I asked for a tracking number he had already blocked me on everything and proceeded to wipe his offerup account. Since then I have contacted XXXX and they didn't help me receive my money back. Was then told to report a fraudulent charge to my bank so I did. And have also yet to see any progress with that. I have screenshots of all of this by the way. I also have no idea if that ID is the offender 's or not as it could easily be stolen for someone to just put themselves out there like that when scamming. I tried reaching out to my bank. They decided against me even with police reports and mountains of evidence of getting scammed and never receiving the product. The same thing happened with XXXX XXXX. It's unreal how scammers can just get away with this.
Consumer complaint received 2020-03-18
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: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3800.00} on the XXXX XXXXXXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXXXXXX no longer owns this account as it was sent to an attorney. This account needs to report a {$0.00} balance. Since the default Judgment was issued this account can no longer be reported to the credit bureaus and can only report to XXXX XXXX. This false reporting of a collection/charge-off is a violation of the Fair Credit Reporting Act and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021. I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (OK)

On Thursday XX/XX/XXXX at XXXX XXXX I received a payroll deposit to my checking account in the amount of {$2900.00}, Chime automatically transfer to my credit builder account in the amount of {$740.00} at XXXX. Then at XXXX I transfer {$500.00} back to my checking account from my credit builder account which leaves {$240.00} in my credit builder account. My new balance in my checking account is {$2700.00}. I use my credit builder card at XXXX at XXXX for {$4.00} which leaves {$230.00}, then I used my credit builder card at XXXX at XXXX  XXXX 's for {$17.00} which then leaves. {$220.00}. I then used my credit builder card at XXXX at XXXX for {$12.00}, which then leaves {$200.00}. On XX/XX/XXXX at XXXX I withdrew {$200.00} from the ATM , which then leaves {$8.00}. On XX/XX/XXXX I used my credit builder card at XXXX at XXXX XXXX for {$3.00}, which then leaves {$4.00}. My credit builder card was then charged at XXXX {$2.00} out of network ATM fee which then leaves {$2.00} in my account. I then used my credit builder card at XXXX at XXXX XXXX for {$13.00}, which then my credit builder account was ( negative ) - {$11.00}. My credit builder account then said ( negative ) - {$220.00} which is still reflecting on the account. I called and emailed chime several times to resolve the issue which the supervisors of the call service found to be indeed incorrect as well. I was asked to email screen shots which I did and I'm still getting the run around when I call for an update of the matter, I'm transferred throughout the call center from one person to the next, each time explaining my issue with no help or resolution. The call center for chime bank has been no help in the matter and as I am unable to speak with someone higher for chime bank the matter is left unresolved and I also have more deposits that will be coming to chime bank in a few days. Chime bank has given me a {$210.00} spot me feature on the app that I am able to use at any time but is unable to at the moment because of the - {$220.00} in my credit builder account. I pay the spot me back when I receive payroll deposits through chime. However, I'm only responsible for the - {$11.00} that I overdrew on my credit builder account not the - {$220.00} as my spot me is only {$210.00} so it's not possible for me to overdraw my account past {$210.00} total.
Consumer complaint received 2020-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a police report and a medical report that proves that I was in the hospital undergoing treatment during the time that someone made fraudulent charges on my account. 

Bank of America refuses to accept my paperwork in branch ( XX/XX/2019 ), I have been attempting to get someone to review the fact that I was not even awake or conscious during the time of these transactions. 

Fraud Charges : - XX/XX/19 - XXXX XXXX XXXX XXXX - {$1300.00}
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (UT)

Credit Collection # XXXX  is reporting a collection to my credit that should not be on there. I never received any kind of notice for this collection and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Consumer complaint received 2020-03-18
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. (UT)

XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this was in collections and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Consumer complaint received 2020-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

ERC, a Debt Collection agency has an agreement with me to collect {$50.00} per month to pay a debt I owe. In XXXX on the XXXX they charged me {$50.00} from my bank account and then on the XXXX the same. 
Payments were to be made on or about the XXXX of the month and have been like that since XXXX. In XXXX was charged 2 times by this company. 
Once on XX/XX/XXXX and once on XX/XX/XXXX. 
I have attempted to speak to someone at ERC but have been hung up on numerous times, laughed at, transferred to dead end lines and finally given the presidents number only to find his voice mail full. 
When I called back about this I was to keep calling it till someone picked up. 
They refuse to put me in touch with whoever might be able to help me. 
I am on a shoestring budget as I am XXXX and unable to work, so an extra {$50.00} is kind of a big deal.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

This is the first time I have never encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security had already been filed. Please delete these unknown items from my report. 

XXXX  XXXX  XXXX {$3000.00} XXXX XXXX {$560.00} XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX   XXXX {$520.00} XXXX  XXXX {$120.00} XXXX  XXXX {$82.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX   XXXX {$310.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} US DEPT VETS XXXX {$0.00} XXXX XXXX {$22000.00}