davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

Please be advised that this is my THIRD WRITTEN REQUEST asking you to remove the unverified accounts listed below that remains with your company as owed, in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed owed to your company. 

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. Before account was handed over from asset acceptance Ive requested for account XXXX to provide accurate documentation of validation of debt that Ive failed to receive, as well as this information was requested with your collection representative XXXX XXXX along with account XXXX. I was informed that this information doesnt need to be provided because a judgement was already in place. As a consumer it is my right to receive validation of any debt.
Consumer complaint received 2020-11-10
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: Experian Information Solutions Inc. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and things Ive never seen before on my credit report. Over 45 days late I have not received a response yet. I think that they are ignoring my disputes. Section 611 ( a ), It states that a failure to investigate these items within 30 days constitutes a removal of these items from my credit report. Its been well over 45 days and they should be deleted immediately. My credit was involved in the date breach and some of my information may have gotten been misused.
Consumer complaint received 2019-06-27
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)

In XX/XX/XXXX, we were affected by the hurricane and offered disaster relief assistance from XXXX ( mortgage company ). We did not have to make a payment XXXX XXXX & XX/XX/XXXX. We were given the option to modify or accept a forbearance. In the process of modifying the account was transferred to XXXX XXXX. It took almost a year to rectify this issue because XXXX did not have us classified as being under a program so our loan was considered delinquent. After several complaints and the assistance of FHA/HUD. We were able to rectify the situation. We were advised no late fees would be assessed and our credit would reflect affected by disaster/current. In XX/XX/XXXX when the partial modification was completed, I had to request an update to the credit bureau because the loan was showing 90 days delinquent. It was updated to current. Then in XX/XX/XXXX, XXXX XXXX   reported the account 129-160 days delinquent. We have already established that the account was never delinquent but under a disaster program. I am currently trying to refinance and I can not because they keep reporting the account as negative. They updated it to current but was over 90 days delinquent. This has prevented me from getting a line of credit and the interest rate on the refinance is higher. I need XXXX to advise XXXX XXXX   that no fees should have been assessed on the missed payments, I need XXXX XXXX to waive the late fees that were added, correct my credit report to show CURRENT PAYS ON TIME NEVER LATE and to adjust the balance of the partial modification. I have asked several times for a supervisor and I have never received a call back!
Consumer complaint received 2020-02-09
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)

I recently checked my credit and noticed many accounts that I do not recognize such as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX etc. I have never authorized any of these accounts nor done business with them. I believe someone has been using my information to get credit and things with it and now my credit is destroyed. Please help me get this matter resolved and my credit cleared as you will see these do not belong to me. Thank you.
Consumer complaint received 2020-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and things Ive never seen before on my credit report. Over 45 days late I have not received a response yet. I think that they are ignoring my disputes. Section 611 ( a ), It states that a failure to investigate these items within 30 days constitutes a removal of these items from my credit report. Its been well over 45 days and they should be deleted immediately. My credit was involved in the date breach and some of my information may have gotten been misused.
Consumer complaint received 2020-11-10
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-06-27
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. (GA)

In XX/XX/XXXX, we were affected by the hurricane and offered disaster relief assistance from XXXX ( mortgage company ). We did not have to make a payment XXXX XXXX & XX/XX/XXXX. We were given the option to modify or accept a forbearance. In the process of modifying the account was transferred to XXXX XXXX. It took almost a year to rectify this issue because XXXX did not have us classified as being under a program so our loan was considered delinquent. After several complaints and the assistance of FHA/HUD. We were able to rectify the situation. We were advised no late fees would be assessed and our credit would reflect affected by disaster/current. In XX/XX/XXXX when the partial modification was completed, I had to request an update to the credit bureau because the loan was showing 90 days delinquent. It was updated to current. Then in XX/XX/XXXX, freedom mortgage reported the account 129-160 days delinquent. We have already established that the account was never delinquent but under a disaster program. I am currently trying to refinance and I can not because they keep reporting the account as negative. They updated it to current but was over 90 days delinquent. This has prevented me from getting a line of credit and the interest rate on the refinance is higher. I need XXXX to advise XXXX XXXX that no fees should have been assessed on the missed payments, I need XXXX XXXX to waive the late fees that were added, correct my credit report to show CURRENT PAYS ON TIME NEVER LATE and to adjust the balance of the partial modification. I have asked several times for a supervisor and I have never received a call back!
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Hello, I applied for an auto loan through XXXX XXXX XXXX XXXX on XX/XX/XXXX and they pull from Equifax and was denied because they were unable to pull my credit report from Equifax. I called Equifax yesterday XX/XX/XXXX and confirmed all of the information was correct on my credit report ( ie name, address, and social ), then I tried again and they were still unable to pull my report. Then I called Equifax again and they said that there was a fraud alert on my account that may be preventing the lender from pulling the report. I had that removed and tried again. They were still unable to pull my report. Then I called Equifax back and they asked me to send a picture of my ID and Social to verify all of the information which I did and then I called and they said there were no blocks, freezes, or fraud alerts and everything matched. I called again today and they XXXX XXXX  was still unable to pull my report. Equifax isn't being very helpful at all and costing me being able to get a better interest rate on an auto loan because there system is messed up.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

My is XXXX, I am a POA Attorney in fact to these two account numbers, XXXX and XXXX. 

Since last XXXX, XXXX XXXX was helping to add my name on the accounts successfully as a POA attorney in fact but soon as everything completed she left your bank to joined XXXX. Before I left XXXX early in XXXX, she and I were discussing to find the best solution to move the money to XXXX. Finally she thought issuing check books and let me write them out and cash in through my bank account in XXXX was probably the best way to do so.

However, once the checks reached Citibank in USA but not at branch in XXXX and no one at branch knew anything about it. The checks were returned to my bank unpaid with no explanation and I was charged for returning fees. After I finally be able to reach the branch mgr via email and telephone call and we then started to discuss on how to solve this issue immediately but sadly the personnels who assigned to help me did not seem to understand the situation fully. 

I also send an email to wire transfer dept as I was told but no one reply my email and it has been more than 6 days as we speak. Before I sent the email I called the wire transfer number that was given to me a couple of times and last time I called I was put on hold for 4 hours and because time difference I had to stay up all night to get nothing done. 

The reason that send this complaint because I believe I did exactly as I was told but yet I can not access my accounts as a POA attorney in fact. 

Please recommend how to proceed forward from here on out. 

Best regards, XXXX XXXX Cellphone Number : XXXX p.s. please find attachment files on this issue.
Consumer complaint received 2020-11-10
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC  id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-04-27
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. (TN)

I am submitting this CFPB Complaint letter to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. 
XXXX XXXX XXXX Balance Owed : {$320000.00} - Please check the Payment History information of this account. The late history shouldn't be showing late because I believe I paid on time. Please adjust the late payments from this account, I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 
XXXX XXXX Balance Owed : {$43.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I tried to apply with a bank and was denied because of chex systems reporting. I've tried submitting a request disputing the negative items be it still remains on my report.
Consumer complaint received 2023-07-17
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: WELLS FARGO & COMPANY (FL)

Wells Fargo Dealer Services have been reporting false information on my credit profile, leading to a significant negative impact on my credit. To address this issue, I have gathered relevant documentation and reached out directly to Wells Fargo Dealer Services to explain the situation and provide evidence of the inaccuracies. Additionally, I have filed disputes with the major credit bureaus, supplying them with the necessary documentation. I am closely monitoring my credit report to ensure that the false information is removed. If needed, I will seek legal assistance to protect my rights and rectify the situation.
Consumer complaint received 2019-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CA)

I opened credit card with XXXX XXXX on XX/XX/XXXX. I made purchase for {$34.00}. I made payment through XXXX XXXX using my checking account. I had enough money in my bank account at this time. XXXX XXXX did not send the money to XXXX XXXX, It was the fault of XXXX XXXX not me. 

XXXX XXXX added late fees with no right, Does the law at CA allow to add late fees with all these amount with no rules? I requested to close my account with XXXX XXXX and removed any errors on my credit report. It hurted me without doing anything. On XXXX, XXXX, I contacted with customer service at phone, the representative was very rude and aggressive, he did not help me at all. 

On XX/XX/XXXX, I called XXXX XXXX, I talked with XXXX, her employee no was XXXX. I explained that I made my payment for credit card on XXXX, XXXX, XXXX XXXX didnt send the money. It was not my fault, it was the fault of XXXX XXXX. XXXX XXXX added many late fees with no right, I couldnt financially pay it plus it was not my fault. 

On the same day, I made payment for {$51.00}. XXXX promised to move all late fee, I closed the bank account. 
The XXXX XXXX sent errors about missing payments, would you please remove it? 
I asked XXXX to remove the errors from my credit report, she told me that she did not know, I wonder how they reported me by mistake and did not how to fix it. Please help me to remove it from credit report.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2024 XXXX
Consumer complaint received 2020-11-10
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC  id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-02-11
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 have disputed XXXX XXXX XXXX  on my credit report as identity theft by mail, I sent all documentation as required ( Identity Theft Affidavit & Police Report ) more than 30 days ago, and they have not started the removal process or investigation..
Consumer complaint received 2022-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (GA)

Americollect called me on XXXX XXXX, XXXX, at XXXX XXXX and I could not answer the phone for them. I checked my credit, and it shows them 6 times on my credit report ; three of them are the same amount. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for the amount of {$680.00}. They also have XX/XX/XXXX - {$560.00}, XX/XX/XXXX - {$710.00}, and XX/XX/XXXX - {$1000.00}. In the state of Georgia, the debts are actually uncollectible after 4 years and these collections are over the 4 years mark. Also, I did not give my content nor do they have anything written nor signed by me that they have the authority to be collecting old debts nor have I given them any of my information. Due to this situation, I am not being accepted to open a joint account with my husband.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP (IN)

On XX/XX/XXXX my phone and wallet was stolen at my residence at XXXX XXXX XXXX XXXX. The thief got on my phone he stole and then transferred money from my unemployment card ( XXXX  XXXX XXXX  ) to XXXX XXXX. They then made several unauthorized transactions- a transfer for {$1000.00} another for {$500.00}, another for {$800.00}, another for {$180.00}. I believe there was another transaction or 2 they did through cash app. On or around XX/XX/XXXX the suspect ( XXXX XXXX ) hacked my unemployment online account and entered their information and debit card and received my payment of {$140.00}. I let XXXX know of the ongoing fraud and also let XXXX XXXX  know as well. I have been robbed for around {$4000.00} and have lost my place to live without receiving any payments. I was told that my money would be refunded but I need action to be taken now.
Consumer complaint received 2020-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AZ)

I am a XXXX XXXX XXXX veteran. Common wealth financial has put a {$1800.00} charge on my credit report for a medical bill that belongs to the VA. In XXXX the VA was held responsible for not paying medical bill including mine. This shows on my credit report as of XXXX XX/XX/XXXX. I do not accept responsibility for this charge. I ask that this charge be removed from my credit report immediately. I have not been to the emergency room for well over 2 years and if I was it would have been covered by the VA.
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-11-10
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. (NY)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XX/XX/XXXXXXXX XXXX  XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX