davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
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: HCFS Healthcare Financial Services of TeamHealth (TX)

I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-16
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: Phoenix Financial Services LLC (TX)

I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections, XXXXXXXX XXXX XXXX  account XXXX ( XXXXXXXX XXXX  ) XX/XX/XXXX for the amount in {$1200.00} ; PHOENIX FINANCIAL SERVICES LLC account XXXX ( App XXXX ) XX/XX/XXXX for the amount in {$1200.00} ; XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX for the amount in {$1000.00} ; XXXX XXXX XXXX account - XXXX ( XXXX XXXX XXXX  XX/XX/XXXX for the amount of {$370.00}
Consumer complaint received 2022-05-16
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: JPMORGAN CHASE & CO. (MO)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
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 — Account information incorrect
Company: EQUIFAX, INC. (RI)

I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX XXXX Account Number : XXXX Date Reported :XX/XX/XXXX & XX/XX/ I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX XXXX and can provide documentation to support this. 

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for Investigation : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX XXXX to confirm the validity of the reported late payments.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit management ( XXXX XXXX XXXX la XXXX XXXX XXXX XXXX XXXX California XXXX ) will not send me the information that I am asking for to validate this debt. Nothing that bares my signature, nothing showing I entered into a contract with this company, proof they are allowed to collect in my state etc. All they keep sending me are computer generated invoices with another companies name on it. I do not know Midland credit management, nor have I ever done any business with this company But yet they continue to report this negative information on my credit and say that I owe them XXXX and XXXX dollars. They just cant put things on peoples credit without proving that it is indeed their debt. Thats not right nor lawful
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I contacted a XXXX XXXX  's office for a consultation and was told that the consultation fee is {$100.00}. I paid my {$100.00} for the consultation and after speaking with the very aggressive medical staff and reading reviews I choose to go with another XXXX XXXX instead. Although I wish I hadn't wasted my money on the {$100.00} consultation I didn't worry about it. After weeks of this XXXX XXXX 's office constantly calling me, I advised them that I didn't want them to call me again I have a right to choose my own doctors. Once I reviewed my transactions on my bank account I noticed that I was charged {$950.00}. I immediately contacted my bank ( Bank of America ) to dispute this transaction because I was only supposed to be set {$100.00}. 

Bank of America gave me a credit of {$850.00} and I was told that they will contact me if they needed any other information. Well, today XX/XX/22 Bank of America without anyone contacting me reversed the transaction so now my bank account is negative {$850.00}. 

How is this legal? A doctor 's office can get upset and charge you {$950.00} and I'm responsible for that balance even tho I'm not even having XXXX with them. Bank of America is terrible and I have zero intentions of clearing up this account balance.
Consumer complaint received 2022-10-26
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 — Their investigation did not fix an error on your report
Company: Onity Group Inc. (CA)

XX/XX/XXXX In XXXX I applied for a home re-modification and I was told not to pay my monthly mortgage. I was approved within XXXX XXXX and received my new mortgage and started payment right away. At that time I never looked at my Credit scores or report. I then looked to purchase another home and during that process learned that OCWEN Loan Servicing had placed negative marks on my credit report. Its been XXXX XXXX XXXX XXXX and I called to ask OCWEN questions regarding why this was placed on my report when I was told I could not make a payment. I have wrote letters and phoned them with the only response being that the account was closed and transferred to PHH Mortgage. I continue to contact them in an attempt to have the negative marks removed. I have also written PHH Mortgage to see what they could do with this issue.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WA)

This is a second complaint submission I have continued to try multiple times to rectify this claim with Wells Fargo directly. Ive contacted the executive office several times as well as high dollar fraud office with Wells Fargo stated its a XXXX XXXX issue and XXXX XXXX states its a wells Fargo issue. My initial claim # XXXX. My police report # XXXX. 

COMPLAINT My account was hacked three times thru Wells Fargo. The charges were all taken from XXXX XXXX from my account to some XXXX XXXX account. the first claim I was able to be refunded. I went to the bank to get a new card. Not too long after similar fraudulent charges again to XXXX XXXX were made. This made me believe my account number it self was compromised I was assured by the bank it was not and they wouldnt allow me to get a new account or withdrawal all the funds from my account as my last name on the account was my married name XXXX not my maiden XXXX. I was divorced and needed a certified copy of my divorce decree instead of the online copy I received as the divorce was done all online during covid. Well for a third time my account was hacked for {$5700.00} and {$2500.00} from the same exact way thru XXXX XXXX and Wells Fargo is continue to deny my claim as I keep trying to escalate it. Had I have been able to get a new account or take my money out of my account as I tried this would not have ever happened for a third time. My concern as well is if I already had two fraud claims just since XX/XX/2021 for large amounts, why wouldnt these charges cause a red flag at the bank? I have filed a police report along with a claim with Washington State Attorney XXXX XXXX. Please help me to get my money back I am a single XXXX XXXX XXXX. 
Might I add if I wouldve been able to withdraw and close my account at Wells Fargo as I tried to this wouldve never happened. I was divorced during covid and only had an online printed copy of my divorce decree which showed my name change. The branch did not allow me to withdraw or close my account due to a difference in last names even though I provided my old license that showed my prior last name of green. I did in fact go to the court to pay for a certified copy of my divorce decree and went into the branch to withdraw my funds after this 3rd hack and little he known the representative at the branch did not even ask me for the certified decree! I need a resolution between XXXX XXXX and Wells Fargo Bank.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC (FL)

In XX/XX/2022, the company known as APELLES contacted me about an alleged debt that I do not owe in the amount of {$5100.00}. I have No prior or existing relationship with this company and its affiliates and/or assigns who are unknown to me at this time. This company has obtained my private and confidential non-public personal information without my consent or knowledge and are attempting to defraud me into paying it alleged debts that I do not now nor have never owed to it,. This company has no right to contact me or to attempt to collect any alleged debt from me. This company 's business practices violate my right to privacy as a consumer and also the Fair Debt Collection Practices Act 15 USC 1692. I have demanded several items as proof of the allegations and claims because I am confused as to how this company was able to obtain my private and confidential non-public personal information without my consent or knowledge since I have never done any business with it. 
I do not give consent to be contacted by this company any further nor have I ever given consent to be contacted by this company, I have demanded that this company cease ALL forms of communication with me immediately, I will be filing a formal complaint with the FTC should this company continue to contact me with schemes to violate my rights.
Consumer complaint received 2016-03-26
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MD)

I lost my job about two months ago and my Macy 's bill was due XXXX/XXXX/16. Today is XXXX/XXXX/16 and a bill collecting agency called me twice today. Once at XXXX XXXX and the other at XXXX XXXX, both times I was at my current place of employment. I have NEVER been late on any of my payments. I did have XXXX slip up on my first payment where me being a teenager I sent them my debit card number instead of my routing number and they returned my payment. After that I personally drive about XXXX-XXXX miles to go pay my Macy 's bill and this is how I get treated after not even a week of being late. FOOLISHNESS! I 've worked 3 weeks in the hole at my new job and my check has n't come in the mail. I ca n't give them money I do not have!!!
Consumer complaint received 2022-05-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Constar Financial Services, LLC (GA)

XXXX XXXX was sued in a class action lawsuit regarding repossessions. My debt to them for an auto loan was discharged as a result, and I received a letter as well as about {$50.00} settlement amount. Constar Financial Services , LLC is attempting to currently collect the debt that was settled in the class action lawsuit against XXXX XXXX and has already been removed from my credit report. I called them to bring this to their attention, and they hung up on me.
Consumer complaint received 2022-05-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (OH)

I received a letter from transworld systems inc saying I owed XXXX from a previous rental apartment debt they bought. I requested verification from them and they sent a log of invoices from my previous landlord. I reached out to my previous landlord and asked them to confirm that they sold my debt and they told me they had not sold any debt in my name.
Consumer complaint received 2022-03-23
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: Experian Information Solutions Inc. (CA)

The Experian and XXXX accounts under my SSN had been used by someone else. 
On attempting to fix them to my name and personal info, it took a month and half to fix my XXXX. It's been two months now, and my Experian STILL hasn't been fixed even after faxing and mailing my documents 4 times now. 

I even found out from my XXXX report that the person who commit fraud has opened 10+ credit cards and a few loans under my SSN. I need to fix this ASAP.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc. (SC)

I have received a Debt Collection on my Credit Report for a collections on a past-due bill that I was never notified of. I went to National Credit Systems with the collections amount reported on my credit files along with my Social Security Number and no debt with those details are listed in their own system. I was never notified of a past-due bill from my former landlord, nor was I provided with notice from NCS that the past-due bill was sent to them for collections. When I went to NCS to pay the reported debt, their own systems are not even able to locate the account based on the details listed in my credit report under Collections. I submitted a Dispute with XXXX, XXXX, and XXXX. XXXX found in my favor, XXXX found in favor of NCS, and XXXX is still reviewing.
Consumer complaint received 2023-02-12
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. (SC)

ON XX/XX/2023 THERE WAS AN INQUIRY ON MY CREDIT REPORT ACROSS ALL 3 CREDIT BUEARUS ( EQUIFAX, XXXX AND XXXX ) FROM AN " EQUIFAX MORTGAGE SERVICES '' COMPANY. I DO NOT RECOGNIZE THIS INQUIRY AND WOULD LIKE FOR IT TO BE REMOVED. I HAVE ALREADY TRIED TO SOLVE THE PROBLEM WITH THE COMPANY. 

THE INQUIRY WAS UNAUTHORIZED AND I NEED IT TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I searched for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was acquired by an aggregator website, which instructed me to first check the website 's FAQ section and then contact approximately XXXX separate websites to have it removed. I felt humiliated by the fact that I had to request the removal of my belongings. I discovered unauthorized, fraudulent accounts on my credit report ; I would like these accounts removed and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to obtain credit. I am taking every measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything else I can do to have these accounts removed from my report.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I 'am a victim of identity theft. This account doesn't belong to me. 
I never heard of this company or done any business with them. 
Someone is using my credit to purchase items fraudulently. 
I was alerted XXXX someone was trying to apply for credit card in my name. 
I have attached my ftc report items are fraudulent. 
I demand immediate removal.
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc (NC)

A company was hired to do a survey of some land I was purchasing. It did not appear as though a deal was going to be met and I advised the company to hold off on the survey for the land. I did not purchase the land and the company did the survey anyway. I also have an email saying they would not do the work until the entire amount was paid in full. I do not think I should be liable to pay this debt and it to appear on my credit report.
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (LA)

Experian Is reporting inaccurate fraudulent information on my credit report. 

It appears that some unauthorized hard inquires have been added to my credit report without my knowledge or permission. Please remove immediately. 

the hard inquiries are 1. XXXX  XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently received a copy of my EQUIFAX credit report, and I noticed Utilization posted on my credit report on the listed accounts : XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX  EQUIFAX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person [ EQUIFAX ] that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
EQUIFAX has VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Consumer complaint received 2022-05-13
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. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.