davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding ha s repeatedly called me about a debt after I have told them to stop contacting me. They continue to call me from fraudulent phone numbers  ( which I still h ave on record ). I have requested in writing that they provide me a copy of this debt which they have not. They have filed a garnishment against me in court without ever serving me any type of documentation and the only way I found out about the suit is via spam mailings from attorneys trying to pressure me into filing bankruptcy . Midland has   dispersed my personal information to several law offices without my consent (  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    et c ) . Midland funding  has deceptive bullying collection tactics inorder to recoupe from the many lawsuits that have been filed against them which they have lost and have been held liable to pay. They target people in order to Illegally gain money from them. There have been multiple settlements against this company as their practices are ILLEGAL yet they STILL repeatedly violate the FDCPA by attempting to collect on debts that are invalid, non existent and even too old.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (GA)

I have a target credit card on my credit. It was included in the bankruptcy from 2015. About XXXX months ago the company switched it from bankruptcy and made it look like its an active collection with XXXX lates!! I have NEVER been late. I have all of my bills on auto pay. I would like to have a corrected or removed. I have asked him XXXX times now and have not gotten any help. I am trying to buy a home and this is the only account hurting that. Its very frustrating! Especially when Ive asked numerous times to have it corrected. Its like we have no voice against these companies reporting what they want. Flagstar is also reporting incorrectly and XXXX  XXXX lates are incorrect. None of this was reporting like this until a few months ago. Its like someone went in and changed my credit purposely. All of my accounts went out of whack
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (IA)

On XX/XX/XXXX we started the process of apply for a mortgage through US Bank with their Loan Officer, XXXX XXXX ( NMLS # XXXX ). During these first few emails it was clearly stated that I was a US Veteran and had even previously used the VA Loan. Due to the construction restraints in the Midwest ( Iowa ) and the fact that my Spouse and I were living overseas, our house was schedule to be completed around XXXX, XXXX. The months went on we finally moved back to Iowa the end of XX/XX/XXXX. We finalized our loan paperwork XX/XX/XXXX for a closing date of XX/XX/XXXX. On XX/XX/XXXX I started researching tax credit on our local counties website ( XXXX County, Iowa ) and discovered the Homestead and Military Exemption Credit. Along with this researching, I discovered the Iowa Finance Authorities website which detailed a " Military Homeowner Assistance Program '' Grant for {$5000.00}. The only requirements listed on their website stated you had to be a veteran, which I was, and which our Lender XXXX XXXX knew. She is also listed as a loan officer on their website. I reached out to her on that day, XX/XX/XXXX and asked about eligibility. She replied the same date stating we exceeded the purchase price and household incomes. I thought I would check with the IFA ( Iowa Finance Authority ) and emailed them that night, the XXXX of XXXX. I received a reply from the following morning on XX/XX/XXXX stating there were no income or purchase limits to qualify for the grant, eligibility is based on service dates ( which I would qualify for ). I sent the information to XXXX immediately. She responded back later that day stating she'd have to, " restructure your loan and submit the application to IFA. We'd probably be looking at about 30 days to get everything approved through IFA and your loan restructured. '' That seemed odd to me, so I emailed the IFA again right away and they said it takes on average 48 hours to approve, maybe a few days. My wife then emailed XXXX that night and asked what would be needed and stressed that {$5000.00} is a lot of money. On Friday XXXX responded with further details and what would be needed and eventually XXXX then said it could take a few weeks ( as opposed to 30 days before ). At this point our closing date is 4 business days away and XXXX is obviously not going to help us. We told her we could provide everything right away but if we had to change our closing date we couldn't delay. I've attached all email traffic with XXXX and the Iowa Finance Authority. XXXX has personally cost us a {$5000.00} grant that we could've used toward the closing costs.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC is trying to collect on a consumer credit transaction that I entered into with another company. They are violation my consumer right pursuant to 15 USC 1692 ( d ) ( 3 ) by listing alleged debt on my consumer report. They are also violation my rights by saying I owe a debt in the positive pursuant to 15 USC 1692e ( 2 ) ( A ). I requested LVNV FUNDING LLC to validate alleged debt pursuant to 15 USC 1692 ( g ) and they have not responded.
Consumer complaint received 2022-01-13
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. (PA)

My name is XXXX XXXX XXXX XXXX. 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 asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Consumer complaint received 2023-04-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (MD)

I have used Wise ( previously Transferwise ) for over 2 years to make weekly payments to parties in the XXXX and more recently to XXXX as well as domestically to the U.S. I made three transfers on XX/XX/23 and those went through. Since then I have attempted to make an additional transfer ( on XX/XX/23 and again today XX/XX/23 ) in the amount of {$120.00} but the Wise app and website keep claiming that there isn't enough money in my bank account for the payment to go through. This is false. The account in question has over {$600.00} in it. 

I called their " customer service '' and the person was completely unhelpful and basically said there is nothing she can do : I have to wait 4 days for this to " clear '' and she blamed the ACH system because the 3 transfers have somehow " not cleared. '' This is a false statement. The 3 transfers have already been reflected on my bank account and the recipients have received the money - there is no " clearing '' needed. And I've never had this problem before. She claimed you can only make one payment at a time and then you have to wait 4 days and that is also not true, I have made multiple payments in the past, including the ones on XX/XX/XXXX. 

I asked to be connected to someone ( e.g., a supervisor ) but she claimed none was available. Sounds like a real control risk here. 

I am going to completely switch my business to a more reputable and reliable transfer service. I am asking you to investigate " Wise '' because something is clearly fraudulent going on here if I can't access money I know is in my account. These transfers are to people in XXXX XXXX XXXX who are supporting my business and although the amounts are small, this is what these people live on. Waiting 4 days is out of the question and would break my contract with them that requires payment in 3 days.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans union keeps changing my credit score by XXXX plus points on information that is not correct. I don't do any thing because it is an ongoing thing. I am tired of my scores dropping because the company can not keep its records straight. Why am I over XXXX with one company and in the low XXXX with Trans. I don't get it. They seem to do as they please. This affect my life. If it didn't I wouldn't care but it does. Do I believe this will make a difference, No. If I don't say anything, I have nothing to complain about, if nothing is done. These credit companies can not be allow to do as they please with peoples personal information. Tired of lies and misinformation about me in the public arena.
Consumer complaint received 2021-07-23
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. (SC)

Im was looking at my credit to make sure Im keeping up with everything and I saw several items on there that is not mine. I was told you all can help me with this. I have filed a complaint with the FTC and reach out to the police. Im doing this on my own and need some help. I saw these accounts that I dont know anything about XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There also several inquiries that I did not run my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found (GA)

To Whom it May Concern, I have a wealth of correspondence documenting the escalation of the issue and the lack of support I received, despite the evidence to back my claim ; while I was incarcerated between XX/XX/XXXX and XX/XX/XXXX, my " Found '' account, along with other accounts ( both banking and email ) were breeched and manipulated by someone other than myself ). My phone had gone missing the day before I was detained and I was unable to recover it until the second week of XXXX. During this time, there were a number of charges, correspondence between the banking institution and the individual who was using my account fraudulently. I brought this to the attention of Found and they have been dragging me through the process ever since. They have been intentionally difficult, deliberately attempting to " wait-out '' their 10 business-day-to-resolve-the-dispute window by alleging to have gotten confused because of a change of email address ( which was necessitated by the fact that someone was in my email and kept regaining access to the associated accounts. They required a Proof of Incarceration, which I was ultimately able to provide after several attempts to retrieve it because of the fact that XXXX County 's entire online Government mainframe had been hacked in XXXX and is STILL not back online, causing a complete incapacitation of access to the general public and a laughable response time to any requests for official documentation or even information. Because of their negligence, unwillingness to protect my interests as a client, and the blatant disrespect they have shown me, I am now facing eviction, vehicular repossession and utter financial ruin. I am outraged, I am disgusted and I don't know how to move forward. I can provide the transcript of the aforementioned correspondence upon request. I trust that I have found the proper channel to service my request for justice in this matter. Thank you and have a blessed day. 

Best Regards, XXXX XXXX
Consumer complaint received 2023-04-04
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. (WI)

XXXX XXXX ACCOUNT ; XXXX DATE OPEN ; XXXX XXXX THIS IS A ERROR REPORTING ON MY ACCOUNT THIS ACCOUNT WAS PAID IN FULL IN WAS SUPPOSED TO BE DELETE FROM MY CREDIT FILE. THE COMPANY ACTED IN BAD FAITH. I WOULD LIKE THIS ACCOUNT REMOVED WITHIN 14DAYS.
Consumer complaint received 2022-12-15
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. (GA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2021-07-23
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. (SC)

Im was looking at my credit to make sure Im keeping up with everything and I saw several items on there that is not mine. I was told you all can help me with this. I have filed a complaint with the FTC and reach out to the police. Im doing this on my own and need some help. I saw these accounts that I dont know anything about XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRT. There also several inquiries that I did not run my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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)

On XX/XX/2024, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-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 results from alleged identity theft, no later than XXXX business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in XXXX! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-12-02
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. (NC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 2XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$8900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX  ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 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 XXXX XXXX
Consumer complaint received 2022-07-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ID Analytics, Inc. (MO)

I recently tried to apply for a new credit card through XXXX. Have had no issue getting credit cards in the past, or renting an apartment. 

I filled out my information on the XXXX  website, but then they said I had been denied. It had used " Sagestream LLC '' as their credit reporting company. 

It said the reason I had been denied, is because I was deceased. DECEASED. I am a XXXXyo XXXX   XXXX. I would like to know how I can find out if this is a case of identity theft or not, and for Sagestream to not be able to report information because it is clearly false. Thanks.
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (TX)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. 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 an alleged fraud or extortion. 
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 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 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 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 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 2023-04-04
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. (NJ)

They continue reporting information that does not belong to me such as names and address even after I provide my state drivers licenses. They are also reporting accounts that violate my consumer rights according to 15 USC 1681 B.

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error these 3 accounts are in violation Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payements are transactions and transactions are excluded from a consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (MI)

I entered into a 6 month payment agreent with this third party creditor. The last on time payment was XX/XX/XXXX. An automatic debit was set up for these payments to come out of my account monthly. There is still a balance showing on my credit report although the last payent was recieved by this company.