davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NY)

Fraudulently established accounts, originating XX/XX/21 around the same time my identity was attempted to be breached by someone that tried to file for unemployment benefits using my name address and any other info required to to so. The HR dept of my employer contacted me informing me of such. A few months prior I received an invoice from a collection agency representing a company named XXXX, which doesn't serve the area I live in, claiming I owed them an amount for service from XX/XX/21 onward. I never established this account, nor did I ever receive a bill from XXXX. It wasn't until I received communication from the collection agency that I became aware of the fraudulent account being established. Research revealed XXXX is a multimedia company offering cable and internet services among others. I have XXXX XXXX and XXXX  communications fiber optic for my multimedia and internet needs. I initially disregarded the communication as I didn't establish the account. After receiving a second or third notice I decided to attempt to contact XXXX to no avail as I wasn't able to reach an actual live customer service representative. I created a credit monitoring account through XXXX XXXX which is when I determined there were 3 accounts that I didn't establish that had been reported to the credit bureau as gone into collections by the companies represented 2 of which were XXXX. I immediately began the dispute process with XXXX XXXX, subsequently 2 of the 3 accounts were deleted from my credit report, the third met the minimum FCRA requirements and wasn't able to be deleted via the dispute.
Consumer complaint received 2024-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

Twice now, after I send in my payment, on time and using the supplied envelope, the payment fails to be posted. And they put me through the ringer for their incompetence. 

The first time was in XX/XX/year>. Within weeks of them supposedly not receiving payment, I began being threatened with getting reported to the Credit Bureau. I had to cancel the first check I sent them, costing me {$35.00} dollars. I believe that check was eventually found and there was attempted to cash it but it came up as insufficient funds according to Newrez ( because has been canceled! ). I reissued another check with two months payment, and late fees were assessed which they said they would not do!! 

Also, none of my information was in their system when I tried to call about it so I could not access my account, not the telephone number they were using to sending me threatening texts, or even my social security number. I had to call every telephone number I could find to reach a live person who finally was able to insert information and put me in the system so I could access my account. Very frustrating and took days. 

Now the payment issue is happened again regarding the XX/XX/year> payment. I sent out 15 separate payments to 15 organizations and everyone received and cashed their check EXCEPT Newrez. They try to blame the Post Office, but everyone else always gets their money.

They don't even let you call to make a single payment, as they state your banking information will be captured and used to make future payments. They are forcing customers into automatic pay systems because they do not want to waste any money on making sure the standard check processing system is working efficiently. 

The company is restructuring which has caused upheaval, but customers should not have to suffer when their mortgage is bought out by another company. They did not act like Mortgage Company, just a Debt Collector as they are always sure to announce. Sad. I wish they never purchased my mortgage from XXXX with whom I had no problems.
Consumer complaint received 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

I have a Chase Slate credit card. I've had it for about 20 years. It is a line of credit that was at XXXX since XXXX. My husband began using it without my knowledge in XXXX. He used it for entertainment, car repairs, hotels, utility bills, etc. He changed the password to his own, had the invoices going to his own email that I didn't know about. He paid the Slate Chase card through his mobile phone monthly, through our joint checking account. I never checked our joint checking account as he was reponsible to pay our bills through our joint checking account with my paycheck that was directly deposited and his XXXX check that was deposited into our joint checking. He charged the Slate Chase card up to {$32000.00}. I found out about these charges the day after his death. He died on XX/XX/XXXX. I went to Chase the day after he died so I could take over paying our bills and this account popped up that I haven't used since XXXX. I reported it as fraud. Chase said I'm responsible for it as he's my spouse and I benefitted from the charges. I no longer have his income as I am a XXXX year old widower.
Consumer complaint received 2023-10-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Fraud services ... disputes not resolved since XX/XX/2023 Also, wrong credit limit... it is higher ... wrong APR ... rewards not given properly .... 

Reported to abuse email, bank of America XXXX at XXXX XXXX Texas branch, blacklisted blocked persecuted ilegally restricted victimized forgery Also car loan .... identity theft ... XXXXXXXX XXXX XXXX  ... XXXXinvestigated..no solution Not able to attach police reports, XXXX and FTC report is XXXX
Consumer complaint received 2022-04-21
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. (KS)

in accordance with the fair credit reporting and convergent accounts has violated my rights ; XXXX XXXX account number ; XXXX XXXX XXXX account number ; XXXXXXXX XXXX  account number XXXX rise account number XXXX XXXX XXXX account number XXXX XXXX  account XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX  account XXXX XXXX 15 u.s.c 1681 section 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 instruction
Consumer complaint received 2020-09-25
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 been sending dispute letters asking for this egregious charge-off to be removed from my report as they have not provide the original credit agreement or original contract I signed for this debt.
Consumer complaint received 2024-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: iQuantified Management Services, LLC (WA)

I received a notification about a debt when I was not even notified about the bill. There is no way I could have payed before it was brought to the debt collections. Not only that but I did not receive services of any kind on XX/XX/year> let alone what I am being billed for in the first place. It is an unfair bill that I am not responsible for.
Consumer complaint received 2023-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I had a car loan with US Auto Sales since XXXX but in XXXX my loan was transferred to a debt collection company known as Westlake Portfolio Management. I thought I had defaulted on my payments, but it was just because the company went out of business. The debt collection company told me that I still owe the full balance on my car, even after making a year worth of payments already. They told me that they do not have access to nor will they honor the gap contract from my previous car loan servicer US Auto Sales.
Consumer complaint received 2022-04-21
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. (VA)

In accordance with the fair credit reporting act 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 have 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.
Consumer complaint received 2022-04-21
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. (VA)

In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and Chapter & Bankruptcy Reference # XXXX have 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.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit report contains information from the XXXX. There are XXXX annotations on my credit report, XXXX indicating a reposession and another indicating a charge off. The last payment on either account was greater than 7 years ago. The account indicating reposession shows a last payment date greater than 7 years. The account indicating a charge off has a last payment date within 7 years ; however, no payment was made within 7 years. The accounts should have been removed from my credit report.
Consumer complaint received 2022-04-21
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: Resurgent Capital Services L.P. (FL)

On XX/XX/2021, Resurgent Receivables LLC added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Consumer complaint received 2022-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Ive asked numerous times for them to furnish proof of this debt all they are sending me as a statement a statement means nothing anyone can open an account and charge on it which would create a statement I need to know how the account was opened where the account was opened if I opened online I need the IP address of how the account was opened I need physical proof that this account is mine Ive tried to settle this account numerous times it is a six-year-old account that they purchase from XXXX XXXX they are refusing to settle the account for anything less than half Ive offered {$50.00} to get it off my credit report if this situation is not removed from my credit report I will be left with no other option but to seek legal counsel
Consumer complaint received 2022-04-21
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. (TX)

On XX/XX/XXXX, I sent Experian a notice that I wanted them to verify an account. On XX/XX/XXXX, they sent back a response saying that the account was verified. On XX/XX/XXXX, I sent Experian a notice asking which method they took to verify this information. On XX/XX/XXXX they sent back a response with contact information of the company. On XX/XX/XXXX, I sent a response asking why there were still inconsistencies within my credit report. The specific reason was that the date of last activity that they Experian was reporting was XX/XX/XXXX. XXXX was reporting this date as XX/XX/XXXX, and XXXX was reporting this date as XX/XX/XXXX. These are 3 completely different dates. 
Experian claims that they properly verified this information, so why are these dates still not matching up with one another. In addition to this unethical practice, their last dispute result explained they they " updated '' the account. The before and after dispute results are exactly the same, so there was no update like they claimed. This is costing me potentially thousands of dollars in interest due to reporting errors and unethical practices.
Consumer complaint received 2022-04-21
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: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2022, Midland Funding LLC added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Consumer complaint received 2022-04-21
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. (PA)

I have pulled my Credit report and seen inquires I don't recognize or authorize!! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Augusta Collection Agency, Inc. (TX)

I received a notification that I had two collections for a debit from Augusta Collection AGC on XXXX XX/XX/XXXX. One in the amount of {$97.00} for XXXX and one for {$63.00} from XXXX. I immediately called the company for clarification of debit. I was told that due to me living in the state of TEXAS the company could not contact me or send mail to let me know of the date. The company did not have a license to operate in the state of Texas. I was informed the debt was for utilities bill for the city of XXXX which I had not lived in since XXXX due to me being XXXX XXXX military and moving from the are. I owned a home but the home was being rented out to tenants. I have a legal agreement with all parties that includes they must pay all bills and be held responsible for them. I was told because I was the homeowner I had to pay. I also never signed a contract with the city of XXXX to transfer the bill back into my name ( which they require ). Regardless I was never informed of any debit that I owed. The phone call was recorded.
Consumer complaint received 2024-03-08
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. (NJ)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (NJ)

I was incapacitated due to XXXX  then while in hospital XXXX was discover. My XXXX credit card despite multiple attempts to enroll online and by my spouse via phone was never enrolled in protection. Account was referred to GC Services XXXX and they sent letter in XX/XX/2022 and I spoke to them via phone on 3 ocassions. Each time i spoke with them they did not disclose any covid relief and stated there is no covid protection since account is past dow and demanded full balance which is now thousands of dollars higher due to interest and penalties.The last conversation I recorded and agent again states their is no program to protect someone who was in XXXX  due XXXX.XXXX  stated they can not bring account back to them without GS services authorization to enroll in program and GS services will not comply.
Consumer complaint received 2022-04-21
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)

I have been going back and forth with Experian in regards to unauthorized use of my credit report as well as unauthorized inquiries that have been placed on my credit report. The crazy thing is I have placed fraud alerts as well as a security freeze and paid membership with Experian to add the extra layers of protection to prevent fraudulent activity on my consumer report. Experian has failed me and is causing actual damages not only to me and my livelihood but as well as my kids. Due to the rules and regulations of their offered fraud alert and security freeze program gave me a peace of mind knowing I took extra measures and obtained the fraud alert and security freeze that it would lower the risk of me being an identity theft victim again. I know by having the freeze and fraud alert on my consumer report that if anyone would be applying for credit using my social the business would have to call me in the process and verify that it was me applying for credit before running my information. Experian has failed me significantly they allowed me to become an identity theft victim again despite me having the fraud alert and security freeze. I have tried to dispute this on numerous occasions with them about these unauthorized inquiries and accounts on my report, they ignored me and stated that they cant do anything about it. How can Experian have a paying member let down and not do anything when I took the preventative measures and had the protection of them when these accounts mysteriously popped up on my account while having their security freeze, fraud alert and their membership. I have sent them identity theft report, letters and called on numerous occassions about this. I strongly feel that the CFPB needs to sue Experian first for not followng the FCRA and wrecklessy injuring consumers for lack of properly verifying, investigating and notifying consumers on how they get their information. I am requesting EXperian remove all unauthorized inquiries on my consumer report and unauthorized accounts. I am asking the CFPB to investigate and sue the XXXX out of Experian for fraud and crimes they comitting and the violation of the FCRA. Please delete : 1. XXXX XXXX XXXX account # XXXX 2. XXXX XXXX XXXX account # XXXX. Please delete : 1XXXX XXXX XXXX XXXX- Inquiry dateXXXX 2. XXXX XXXX XXXX XXXX Inquiry DateXXXX 3. XXXX XXXXInquiry Date:XXXX 4.XXXX XXXX XXXX- Inquiry dateXXXX These are unauthorized please remove immediately and comply with FCRA which is also the rules Experian suppose to abide by XXXX
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I had a dispute with XXXX credit report dispute. they had XXXX account updated to a further date. Now with your help they deleted the account. 
I had the same problem with Equifax and XXXX credit reports. 
i have attached the following dispute and i still have not fix the problem.
Consumer complaint received 2023-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.