davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (IL)

I received a letter on XX/XX/2018 from Sunrise Credit Services stating I owe {$620.00}. Ive dealt with this fraudulent issue since XXXX. XXXX allowed someone to impersonate me over the phone and even steal a phone. They refused to cooperate with the police and told me though I have put regulations on my account anyone can call with my information. They allowed bogus information, phone orders, fraudulent payments and thefts for months without my knowledge. When it came to making a police report they wouldnt provide the information needed. I have several report numbers from the FCC and Illinois Attorney General. This was fraud take accountability for allowing someone impose as me. XXXX had me calling insurance companies and told me this bill was from something else. It took a week for a rep to tell me what it truly was fraud! FCC # XXXX Now they have a company sunrise contacting me for a fraudulent account.
Consumer complaint received 2020-09-24
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. (CA)

I have disputed over and over the account listed under XXXX preffer it shows a balance of {$3100.00}. The phone numbers, address, everything are non working for this creditor. There is no validation of debt under article 1 and 2. Ive asked experian, XXXX, and XXXX to delete this account but they still keep reporting it. There is no success in getting in touch with the creditor either. The phone number listed is non working and so is the address.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

This account was charged off on the following date ( XX/XX/year> of XXXX XXXX XXXX ) Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. a charge off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Account # XXXX
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It's been a rough Year for me. I'm Ready to purchase Property for me and my kids, so I decided to check my credit.. 
I cant Believe that I became a victim of Identity Theft. I work very Hard to maintain my credit for me, and my Kids Future. 
How Can someone destroy My credit ... this is not Fair nor is this right, I did not give any Consent to these fraudulent Account. this was not authorize by me. I want these Accounts blocked and Removed from my credit thank you
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TN)

This account is an not accurate I do not owe the amount stated on my credit report. The balance listed is not accurate at all. I wrote both the collector and the credit bureaus and have not received a response from either in this matter. They failed to respond within a 30 days period. Please remove this
Consumer complaint received 2021-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it
Consumer complaint received 2020-09-24
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: SYNCHRONY FINANCIAL (MO)

My spiel ( thank you in advance ) : On XX/XX/2020, I signed up for a Banana Republic credit card. I am very cautious with my credit score and always ask about hard checks. I consented to a hard credit check  with PayPal Credit as they have a financing feature I can use at any store, anywhere. I plan to use this for furniture for my first apartment. I definitely did not consent to a hard check at Banana Republic, and was misinformed by the store salesman there. I worked a few different retail jobs, and I know how much there is to remember. I can definitely see the salesman not knowing or forgetting that the credit card was a hard check ( I asked ). I'm not sure that's something all managers would even tell their employees unless they asked. But I know I would not approve of a hard check for a store card that I've used only once. I don't have my car with me right now and so I ca n't drive to that mall, I have to take the train. 
Thank you for reading and any help you can offer.
Consumer complaint received 2018-08-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

In reslonse to my complaint filed on XX/XX/2018, Wells Fargo stated they were unable to contact me. 
Wells Fargo called me on XX/XX/2018 and notified me they were reviewing my case and I verbally spoke to XXXX. 

XXXX from Wells Fargo called me again on XX/XX/XXXX and notified me there would be a delay in investigating my case. Wells Fargo called me twice and I answered and spoke with XXXX both times. 

Their statement is untrue and inaccurate.
Consumer complaint received 2023-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (DC)

XX/XX/XXXX Good Afternoon, This matter involves Cash App. I sent my church, a church offering of {$83.00} on XX/XX/XXXX to their Cash App handle at the time. My church told me numerous times that they called and wrote to Cash App and did not get any response. My church stated that they never received my payment of {$83.00}. I do not have any reason that they did not tell the truth. 

I called Cash App numerous times to intervene. Cash App reps would not talk to me. I requested a refund and that was declined. 
I became weary and tired of fighting with Cash App and just wrote it off. My {$83.00} is hanging out there in space. My church never received the payment and I was unable to get a refund. Message received-completed, refund request declined. 

I went to a virtual wallet workshop a few months ago and shared my story about Cash App. It was suggested to me to get in contact with your agency and file a complaint against Cash App. 

Thank you for your assistance!
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, account XXXX XXXX  XXXX, account XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX  XXXX XXXX  , account XXXX XXXX XXXX, account XXXX XXXX  XXXX , account XXXX XXXX XXXX XXXXXXXX XXXX, account XXXX XXXX  XXXX XXXX XXXX, account XXXX XXXX XXXX  XXXX, account XXXX XXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-11-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

This account has been on my credit report and I have tried numerous times to have it removed. The company will not send me copies of any original paperwork to prove that the debt is mine. 
{$1000.00} from XX/XX/2019.
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2018 I attended a XXXX XXXX XXXX XXXX XXXX 3 day workshop which I paid {$2000.00} to attend. From that workshop we were offered another workshop which would work with us until we earned 100 % of our investment. I paid {$21000.00} to attend that workshop. After realizing that none of the formulas they taught in the workshop were working for me I contacted the resource office. I spoke with a resolution specialist by the name of XXXX XXXX. There was an agreement to a refund of about half of the money. She emailed me a settlement agreement and mutual release on XX/XX/2018. As I read through the agreement I did not feel right about signing the agreement because of the language used and obligations I would be forced to comply with and I would only get a partial refund so I did NOT sign the agreement. Instead, I contacted my credit card companies that i used to pay the workshop with. Chase kept the charges of {$4200.00} paid to XXXX XXXX and XXXX XXXX kept the charges of {$4700.00} and {$250.00} on my account paid to XXXX XXXX after their dispute process although there was a the settlement agreement that agrees to a refund all services paid for were not rendered.
Consumer complaint received 2023-07-14
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NY)

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.
Consumer complaint received 2020-09-24
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. (AZ)

On multiple separate occasions, I have sent documentation and notification to Trans Union advising that information that is displayed on my personal credit profile is inaccurate and multiple items are fraud/identity theft items. 

I have attached a copy of the letter sent to Trans Union confirming to the credit reporting agency details regarding the discrepancies listed on my personal credit report. 

I have also, recently forwarded a copy of my police report detailing the identity theft items for their reference. 

It is costing me certified postage charges each time that I send a document/dispute request to Trans Union as this is the only way that I can verify that they are receiving my disputes and to prevent mail tagging from occurring. In my dispute letters, I am enclosing a copy of my valid photo ID along with a current bill to verify that it is me that is making the requests. 

Although I am following the proper protocol, I am getting absolutely no where in resolution with Trans Union, the only response that XXXX continue to receive is that somehow they are verifying the information to belong to me, but my requests to show proof is going ignored which confirms that the correct verification process is not being followed, because if it was, they would have known that the items do not belong to me and that I am a victim of identity theft and the accounts are fraudulent.
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I sent a letter to Convergent Outsourcing asking for verification of this debt on XX/XX/2020 and have not received a response from them, I have lived at my current address for over 6 years and have never had XXXX services ever, I can provide my monthly statements showing my cable and internet services have been with XXXX for the entire 6 years. I would like to see some proof such as a contract, drivers license, or signature for the account in question.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Credit Reporting Agency ( XXXX, XXXX XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX Collection Agency, account number XXXX, NEVER HAD THIS ACCOUNT ERC -ENHANCED Collection Agency, account number XXXX, NEVER HAD THIS ACCOUNT PLEASE HAVE THIS INACCORATE INFORMATION REMOVED AT ONCE. 
XXXX CHILD SUPPORT COLLECTION AGENCY, ACCOUNT # XXXX IS ON MY CREDIT 2X WITH A XXXX AND A XXXX THIS IS NOT MINE, XXXX CHILD SUPPORT COLLECTION AGENCY ACCOUNT # XXXX IS ON MY CREDIT REPORT 2XFOR THE SUM XXXX THIS IS ALSO NOT MINE BOTH ACCOUNTS WERE OPEN ON THE SAME DAY, PLEASE HAVE THE inaccurate INFO REMOVED FROM MY CREDIT FILE.As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/XXXX ASSN : XXXX As proof of my identity, I have included copies of my, Social Security card, drivers license, I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is reporting XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they are incorrect. I asked for verification, but they have not provided information and keep reporting it on my credit reports.
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TN)

I have been constantly called by XXXX XXXX concerning payment on two accounts. I have answered the recorded message, yet still continued to get called every day. I went home the other day and on my phone message board were 16 calls. out of the 16 calls 14 of them were from this financial institute. The second issue is that they are hold a refund credit that I can not apply to either of the debts owed, nor am I apply to apply the credit card information to the debts owed. ..
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I called Chase to notify them of suspicious calls Id received that same day regarding unauthorized wires on my account. They informed me that someone had used the Chase automated phone system and used my personal information and debit card # to authenticate themselves and transferred my entire savings ( {$6000.00} ) to my checking account and attempted to wire out money. 

When I told the Fraud specialist I hadnt made these changes to my savings or attempted any wires, she walked me through a process of securing my account and changing my username and password. I also asked her to move {$8000.00} from my checking back into my savings. The next time I went to use online banking, I was unable to log-in, with a notification that Chase had locked my account due to suspicious activity. 

I called back again 2 days later on XX/XX/XXXX as I was still unable to log-in and had to change my username and password a second time. Throughout the next 6 weeks I was still unable to access my account online. I called Chase 5 other times to try and speak with the Fraud department to unlock my account and report that Id been receiving additional suspicious calls regarding unauthorized external wire transfers. 

On XX/XX/XXXX, I went to make a purchase using my Chase Debit Card and found out that my account was overdrawn. After calling Chase that same day, they informed me that there had been three external wires on my account : {$11000.00} on XX/XX/XXXX, {$9600.00} on XX/XX/XXXX and {$1500.00} on XXXX totaling {$23000.00}. I filed an IC3 report, and faxed it in to support my claim at the local branch. 

Ive opened two claims with Chase, one on the XXXX and one on the XXXX and both were closed without review as the Fraud Department insisted that I had authorized the wires over the phone. After escalating and requesting a review of that call, it appears someone impersonated me to Chase and made the wires over the phone telling them the payments were for my nephews tuition ( I have no nephews in college and this was note me ). I submitted a notarized statement on XX/XX/XXXX and they are currently reviewing the escalated case and police report. 

I have been the victim of identity theft and unauthorized wire transfers after alerting my bank of suspicious activity and am calling on Chase to protect me as a consumer and reimburse me for this loss. 

The Event # for the police report is # XXXX and the case # is : # XXXX
Consumer complaint received 2021-03-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-01-02
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. (CA)

TransUnion has had my account frozen and ... '' In Dispute " ..for over 9 months. I can not even get a response. I am on hold till they obey the law
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2023 Experian received a letter from me stating that they are reporting multiple inaccuracies on my credit report Account # XXXX ( XXXX XXXX XXXX. ) Experian updated the account without acknowledging any of the inaccuracies. 
It's a collections account it should not be showing a pass due balance, it should not be showing a payment history, this is not an open account, the high balance should not be lower than the regular balance and the balance owed is not correct. The balance owed on my credit report says {$420.00}, but the statement XXXX XXXX XXXX sent me from the original creditor says {$420.00}. I will be attaching a statement I received from XXXX XXXX XXXX showing the inaccurate balance owed. By law, the credit bureau is held accountable for reporting 100 % accurate. My credit report is not 100 % accurate.
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
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 credit management recently filed an case against me. They failed to provide debt verification info pertaining to debt owed and or amount. I have no relationship with midland or valid contract. They are sending mail luckily Ive retrieved from an old address I havent lived at in 2 years. They have violated debt verification letter failing to meet 30 day mark by pursuing attempt to go to court.
Consumer complaint received 2021-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (TX)

On XX/XX/2021, Franklin Collection Services based out of XXXX, XXXX added a collections account for {$1200.00} to my credit reports causing my score to decrease. This collections account was RIGHTLY removed previously from my credit reports by another collections agency whom could not verify/validate this debt is in fact my debt. This account is believed to belong to another family member whom is deceased and is in fact NOT MY DEBT which previously resulted in a removal/deletion. The collections agency has in turn sold this account to Franklin collection services without written notification of the debt and without verification that this debt is mine. I HAVE NOT RECEIVED ANY WRITTEN NOTICES OR PHYSICALLY SPOKEN WITH ANYONE FROM FRANKLIN COLLECTION SERVICES. 
Under the Fair Credit Act, if the debt is not verified or validated to be yours, it CAN NOT be erroneously put on your credit report and such section is AGAINST THE LAW for credit agencies to report debt that isnt validated or inaccurate. 
Under the Fair Credit Act, a debt collector has to send you a written statement outlining the specifics of your debt that is in collection. Within five days of contacting you, a debt collector must send you a written notice of the amount of money your owe, and the name of the original creditor. The notice must also explain the consumers rights of what actions to take if you believe the debt is not yours. 
NONE OF THESE ACTIONS HAVE TAKEN PLACE WHATSOEVER. 
I ask for IMMEDIATE permanent removal of this account that was PREVIOUSLY REMOVED and had been placed back on my credit reports.