davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-10
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 — Their investigation did not fix an error on your report
Company: Aargon Agency, Inc. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Time has already passed but up until now, I havent heard any kind of response from XXXX Credit Bureau which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the item I am concerned of : XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance Owed : {$590.00} - XXXX
Consumer complaint received 2022-03-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (MD)

Convergent has re-aged an account that was held in collections with XXXX by having it listed as being originally opened in XXXX XXXX instead of XXXX XXXX. This was intentionally done to negatively impact my credit and according to the FCRA is illegal. I have submitted both credit reports as proof.
Consumer complaint received 2019-08-06
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. (NV)

DEPT OF ED/XXXX is reported duplicate on my credit report, I do not know the reason why. I only have a single student loan, please remove the duplicate entry. The student loan was temporarily suspended, and my loan holder granted forbearance. Please remove this inaccuracy from my credit report
Consumer complaint received 2021-12-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What thXXXX XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AL)

On XX/XX/2021 I sent through XXXX a payment of {$2000.00} for a rental property, When I got there there as a sign for sale on the rental property. I can home and called Chase bank to cancel the XXXX transaction. Was told then that the fraud department would contact me immediately. Never heard from Chase or any other person. XXXX contacted me and told me to take the matter up with Chase bank.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Hello, XXXX has XXXX inaccurate addresses reported on my credit file. When contacting them they told me addresses could not be removed. they could only reach ut to other credit bureaus such as Equifax and XXXX to inform them that those addresses are not mine. 

These addresses do not appear on XXXX or Equifax and XXXX is refusing to remove fraudulent addresses. 


Thanks, XXXX XXXX
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (OH)

I have received several calls from XXXX XXXX XXXX a XXXX XXXX XXXX Did I make a online purchase for {$1900.00}. I argued with him but he was so persistent that He put his supervisor XXXX XXXX XXXX on the phone they sounded lagit but I was on the phone for an hour. Was asked to call XXXX # was told this was for fraudulent calls. Used a # XXXX from XXXX Finally the supervisor called from XXXX. I called Chase Fraud myself on a different phone and they said it was fraud. I got off the phone with XXXX. Chase has canceled my card and sending me a new one. This is the 3rd, or 4th time I have had this happen to me. Tired of the calls they need to be caught. There was a # XXXX called last year and about the same amount was said to have been on my chase card. 

I have contacted the Bank and have it taken care of. 
Thought you may be able to take further action. 




















3
Consumer complaint received 2019-08-06
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. (HI)

First of all, I never applied for any accounts with XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX
Consumer complaint received 2021-12-10
Product: Credit card or prepaid 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: Google Compare Credit Cards Inc. (MO)

On XX/XX/2021 I received an email from my credit card company that my card had been declined due to insufficient credit from a purchase attempt from XXXX XXXX. I immediately panicked because my card had no balance and I had not attempted to make any purchases. The purchase had been attempted at XXXX XXXX that morning. I immediately checked my credit account and had found that another previous transaction had cleared and posted on XX/XX/XXXX in the amount of {$1500.00}. As soon as possible I called my credit card Company XXXX and reported the fraud. They told me that the early morning transaction that was declined was in the amount of appx {$1400.00}. They took a report and filed a dispute. I contacted the XXXX store right after and via chat id XXXX searched for information on this purchase. The person I talked to was named XXXX. She told me she was unable to locate the transaction but directed me to a link to fill out a form for investigation. Today XXXX  said I was denied a refund of the money because there was no proof of fraud. 

As a direct and proximate result of XXXX XXXX failure to validate that this person was an authorized purchases, I was caused to suffer financial injury.
Consumer complaint received 2019-08-06
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. (HI)

I was not late on the month that shows on my credit report, the late payment is inaccurate, it as paid as agreed..Remove or Fix XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-08-06
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: EQUIFAX, INC. (HI)

I was not late on the month that shows on my credit report, the late payment is inaccurate, it as paid as agreed..Remove or Fix XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-08-06
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. (GA)

My information was leaked in the Equifax, XXXX XXXX breach and my information was used to open up fraudulent accounts & inquiries. I am a victim of identify theft, I am in distress, I have suffered tremendous pain due to negligence of all 3 bureaus along with XXXXl XXXX leaking out my personal information causing losses in many ways. I am allowing 3 business days of an internal dispute. I am seeking {$10000.00} for all the damages caused by your companies. I have filed a litigation, contacted the FTC, and many more to assure. The Fraudulent accounts/amounts : 1. Dept Of Education 2. XXXX, 3. XXXX XXXX XXXX,4. XXXX XXXX  XXXX {$25000.00}, 5.  XXXX XXXX XXXX {$12000.00}, 6. XXXX XXXX  {$12000.00}, 7. XXXX   XXXX {$340.00} The fraudulent inquiries : 1. XXXX XXXX, 2.  XXXX, 3. XXXX XXXX, 4. XXXX, 5. XXXX XXXX, 6. XXXX XXXX XXXX, 7. XXXX XXXX, 8. XXXX XXXX  XXXX, 9. XXXX, 10. XXXX XXXX, 11.  XXXX XXXX, 12. XXXX XXXX, 13. XXXX
Consumer complaint received 2021-12-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Credit Control (CA)

Continental Credit Control reached out in XX/XX/XXXX stating I owed a medical debt. They provided mostly illegible documents that had a person with the same name in a different city. 
I disputed the charges in XX/XX/XXXX. I did not receive any communication from Continental Credit Control until XXXX and XX/XX/XXXX, when they sent statements for the collections account, despite not having responded to my dispute. 
In XXXX of XXXX, they responded to the dispute. However, they did not provide any new information validating either the debt or their ownership of the debt. 

Aside from their communication, their tactics to collect interest on medical debts are unlawful.
Consumer complaint received 2019-08-06
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. (GA)

In XX/XX/2019 it came to my attention that my personal information was leaked in the Equifax, XXXX XXXX Breaches. I am a victim of identity theft. This message is in regards to the damage of my credit and several certified letters that was sent over to Equifax, XXXX & XXXX. I have notified FTC and filed a complaint upon your company. I am sending this final message to make you aware of my actions on my litigation process upon a response with 3 business days of receiving this message and after my internal dispute on the fraudulent accounts and inquiries listed below. I am seeking {$10000.00} in damage due to my personal information being leaked by your companies in compromise causing fraudulent actions on my credit which is causing me all of sorts of distress, problems, and everything negative you can think of. Debt must be ratified with an actual original signature instrument including a wet signature which these accounts are 1. Fraudulent 2. Erroneous 3. Violated several FCRAs in sections 609, 623, 611, 612, 614, 619, and also violated the FDCPA. 

XXXX, Equifax, XXXX  Fraudulent Accounts : All XXXX XXXX XXXX & All XXXX  XXXX XXXX, Fraudulent Inquiries : Equifax XXXX, Us Dept of Education
Consumer complaint received 2021-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (TX)

I've been trying to resolve 2 Midland Funding accounts listed on my credit report and haven't been able to. I've attempted calling them for 3 weeks, several times a day and the department is not available.
Consumer complaint received 2022-09-27
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)

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, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SC XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXL XXXX Balance : {$0.00}
Consumer complaint received 2021-12-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Synter Resource Group, LLC. (GA)

I have been receiving calls and text messages since XXXX for a different person. I have told them that they have the wrong number and they continue to contact me. The dates I have recorded are XX/XX/2021, XX/XX/2021 and XX/XX/2021.
Consumer complaint received 2021-12-10
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)

Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. I have called Transunion several times to get this resolved and they have ignored my request. 

XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (IL)

I filed a complaint because this company is a fraud. This has tried to collect debt for 12 years from me without consulting with their client. This debt they are referring to is from the Illinois department of revenue. Sir, please always consult with your client. Despite a collection for state taxes " the Illinois department of revenue '' will still take your state taxes if you are in collection. They don't care. I work as well so i called the Illinois department of revenue to acquire your collection debt and opened an account to pay my taxes. Unfortunately, i have filed enough taxes that i paid the debt that your company is acquiring by the Illinois department of revenue taking my state taxes. In this case " consult with your client. '' This debt is paid and isnt in collection. Anyways, on contrary, you can also contact your client to get a cheaper settlement. Contact your client to assure that the bill isnt paid or you seem like a scammer. This bill is paid then why are you trying to collect it twice when the Illinois department of revenue took my taxes?
Consumer complaint received 2020-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MN)

I am writing to dispute the following information that appears on my [ XX/XX/XXXXor XXXX  or XXXX XXXX consumer report ( s ) : Dispute-1 : Account Number or other information to identify account : XXXX Source of dispute information : NCA= National Credit Adjusters per XXXX XXXX XXXX  . 
Type of disputed information : Category of disputed information such as public records information, unknown credit account Dates associated with item being disputed : A letter date : XXXX XXXX,2020. 
Explanation of item being disputed : o I received a notification of a response from The XXXX XXXX XXXX. That my fraud complaint had a response from the company falsely listing a debt on my credit report. In remiss this letter a person named XXXX XXXX XXXX, esp. addressed me as XXXX XXXX XXXX Which is not my name as the duplicities attempted to codify my identity with his fraudulent debt claim. By conjuring false identities for me which would then appear on my Credit Report and other platforms for public reference. Creating these false Identities directly effects my lively hood. As I am subject to regulatory security checks per my employer. When this false name appears if gives the false impression, I have a fake identity. This causes me to lose consideration for Contracts, raises, Investments, Etc.

o After researching this company, I was able to discover that NCA has multiple complaints of a similar nature. While XXXX XXXX  has been investigated multiple times by the FBI for their fraudulent acts. I then contacted this company ; but prior to sending the letter to the XX/XX/XXXX, I notified the AG of XX/XX/XXXX and the Consumer Finance Division of my legal name. As to prove this company is using unethical, Fraudulent, Defamation tactics to collect debts they know are not legitimate. I provided the three recording of NCA Staff making false names, refusing to provide dispute information, lying about escalating the matter at hand. True to form NCA- XXXX XXXX XXXX , esp . made an abhorrent, fraudulent, and passive aggressive attempts to get me to respond to a name that is not mine. I have tried to resolve this matter without out escalating it to XXXX  Court. But my efforts have failed and need to moved forward in the process. 
o This matter was closed on XXXX XXXX2020 by XXXX XXXX XXXX , esp . of NCA. Though the was no actual resolution. Just a remiss attempt to pacify me. While giving the bare minimum to adhere to the legal standard. 
. 

This account was originated by XXXX XXXX XXXX XXXX. After reviewing several sources these individuals have been under investigation for these types of Fraudulent acts by the FBI. This information should not have been allowed to be placed on my reports. Now I have verifiable proof that NCA has attempted to collect a debt that is fraudulent. As well as falsify a fraudulent identity to legitimize the fraudulent debt in question. 

Resolution : Remove item Exponentially. 


Thank you for your assistance. 

Sincerely, [ XXXX XXXX. ]
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EAST WEST BANK (GA)

I applied for a loan with East West Bank and it has taken them months to close on the loan although I was approved almost a month ago. My XXXX XXXX XXXX son and myself have been staying in a hotel for the last XXXX week being that I have no where to go and they keep missing the closing dates. They do not respond when asked for a update and give you the run around stating that someone else will follow up with up and they never do. My final closing date is XX/XX/XXXX and the seller will not extend this again.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (CA)

midland credit adjusters and XXXX and XXXX XXXX have all illegally reported transactions that are inaccurate and they never had my consent and I am a protected consumer by federal law and I have a right to privacy and I have to be notified that i have the right to opt out due to my right to privacy act of 1974.

they have been reporting and causing me to have a lower score, damaging my to credit and violating my right to privacy and they are not to report without my expressed and written consent 15 usc 1681 and I need this account to be updated and deleted as I have NO COLLECTIONS. They are violating the FCRA and the FDCPA. I have a right to privacy and they are violating me.
Consumer complaint received 2023-10-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

I didnt know about the {$160.00} dollars I owed after moving out of my apartment until it showed up on my credit report as a collection. I immediately called and paid the amount to the collection agency and asked that the report be deleted from my credit history. They told me they would update it. The report is still showing up on my credit and affecting my ability to purchase a home. I called both the original creditor and the collection agency to ask for a good faith deletion and told them I did not know about the money owed till it showed up on my credit report. They refused to request the credit bureau deleted the {$160.00} collection that I paid in full as soon as I knew about it from my credit report. I spoke with XXXX XXXX the client and XXXX about writing a request to have this satisfied debt of a small amount that has an outsized effect on my ability to purchase a home be deleted. They refuse to offer any solution.