davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, is trying to collect an allege debt ( XXXX ) : {$100.00}, {$100.00}, {$140.00}, and {$140.00}. This collection company changes its address and refuses to accept certified mail requesting a copy of the contract I'm alleged to have signed that authorized payment of this fraudulent account. XXXX XXXX have changed the date ( XXXX ) of these alleged accounts to keep them active on my credit file report ( XXXX ). I have been denied credit or offered high interest rates by potential creditors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, is trying to collect an allege debt : {$350.00}. This collection company refuses to accept certified mail requesting a copy of the contract I'm alleged to have signed that authorized payment of this fraudulent account. XXXX XXXX XXXX XXXX XXXX have changed the date ( XXXX ) of these alleged accounts to keep them active on my credit file report ( XXXX ). I have been denied credit or offered high interest rates by potential creditors.
Consumer complaint received 2022-02-25
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 pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (NY)

I received a Visa Debit card from US Bank ReliaCard in the mail on XX/XX/2021. It stated to activate card before you use, I never applied for this card. On the back of the form the card came on states it is for The Ohio Unemployment Insurance Program. I filled out a form online with the credit card company ( US Bank ReliaCard ) stating that it was fraud. My identity was stolen last month & used to try & get Unemployment benefits for the state I live in.
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (CA)

I AM WRITING IN REGARDS TO CREDIT CONTROL LLC WHO IS ATTEMPTING TO COLLECT A UNKNOWN DEBT OF {$760.00} AND CONTINUALLY HARRASS ME VIA MAIL AND CALLS, CREDIT CONTROL LLC HAS BROKEN MULTIPLE FDCPA LAWS WHICH I WILL ATTACH.CREDIT CONTROL LLC HAS CONTACTED ME VIA MAIL ON XXXX I AM SEEKING {$13000.00} WORTH OF VIOLATIONS PURSUTANT 15 USC 1692k I HAVE 13 FDCPA VIOLATIONS.
Consumer complaint received 2021-03-10
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)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 50 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-02-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft. I filed a police report on XX/XX/2019 and have seen the accounts get removed off my XXXX and XXXX credit report however Experian continues to violate the FCRA by failing to properly investigate the fraudulent items. I requested they provide me with the name address and phone number of the person or persons who validated these fraudulent accounts. I did not receive a document with my wet ink signature nor have they sent me a copy my updated credit report with the errors removed. I am filing this complaint because this fraudulent XXXX/DEPT OF ED Account # XXXX Balance {$11000.00} account is affecting my credit report and my score has dropped tremendously due to their violation of the law. Please investigate this matter and delete this account immediately.
Consumer complaint received 2015-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (IL)

ON OR ABOUT XX/XX/2014 TRANSWORLD PLACED A INVALIDATED DEBT INQUIRY, ON XXXX/XXXX/2014 SENT THEM VALIDATION REQUEST CEAST AND DESIST ORDER IN VIOLATION OF TCPA, FDCPA, FCRA ETC.
Consumer complaint received 2022-02-25
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-04-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX reported myself to all credit agencies, after I signed up for XXXX during XXXX through XX/XX/2020 due to national pandemic and was not able to work. My credit is protected with the Cares Act. I want XXXX to remove the late reporting to all the credit bureaus for XXXX, XXXX and XX/XX/2030. I have Paid the balances off in full.
Consumer complaint received 2022-02-25
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. (FL)

I had my information compromised as part of a data bridge & due to my personal information be leak it resulted in someone trying to apply for a mortgage in my name & 3 inquiries resulted from this fraudulent activity. I sent in the paper I received in the via certified mail to all 3 credit bureaus. XXXX & XXXX delete right away because the had the proof in front of them. Equifax refused to delete the inquiries. Imagine a company like Equifax that has put us all in harms way when they had there data bridge & know the harm it can bring to one REFUSE to delete. They ask me for a police report when the have a letter direct from the insurance company. 

Secondly Equifax is one of the most difficult Of all 3 credit bureaus. They think they can create their own rules & not follow the ones already in place. I have a collection reporting to Equifax that I have disputed over 4 times by certified mail. The account is reporting as an Individual account but when I did my own investigation its a jointly own account. The reason I did my own investigation is because I had no knowledge of how the account came about & gave no authorization to anyone to add me to such account. Also the reporting date was changed by the company to prolong the account for their own personal gain. I sent in the dispute letter to show how much a collection agency can lie & deceive even the credit bureaus. I pin point every inaccuracies that the reporting agency is reporting & once again Equifax realize that the benefit more with a incorrect account that doesnt belong to me on my credit report than it being off. Its all a money making scheme for the credit bureau with the main one being Equifax. The will sell your information to the highest bidder & turn around & act like there was no fraud committed against you. Equifax is such a pain that I have written a letter to Congress recently because Each dispute I ask for the results from there investigation in writing & I have never received such report ever!!! The reason why I request this report is because I know they are not investigating anything. Imagine the biggest fraudsters are the credit Bureaus & they are in charge of our credit. I had to explain to Congress I want them investigated & someone needs to shut them down & hire more honest people to do the job.
Consumer complaint received 2021-10-28
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. (FL)

THE INFORMATION ON MY CREDIT REPORT IS NOT CORRECT. I DONT UNDERSTAND WHY YOU PUT THIS INFORMATION ON MY ACCOUNT. I DIDNT APPLY FOR ANYTHING. I BELIEVE SOMEONE USED MY PERSONAT INFORMATION
Consumer complaint received 2019-07-30
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: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXXI AM A VICTIM OF THE XXXX BREACH. MY PERSONAL INFO WAS USE TO OBTAIN GOODS. PLEASE BLOCK THESE ACCOUNTS FROM MY PERSONAL INFO. 

XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX ARE ALL FRADULENT CHARGES FROM XXXX DATA BREACH. 

I HAVE OVER 100 FALSE INQUIRYS PLEASE BLOCK THESE INQUIRYS XXXX XXXX  XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX   XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX   XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (MI)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy .

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Servicing transfer in the middle of a loan modification : I submitted in a timely fashion a complete loan modification / loss mitigation application to my then loan servicer Ocwen who acknowledged receipt thereof ( loan modification application ) then transferred my loan to PHH - which, to date, I did not receive status of my previously submitted loan modification, no single point of contact, and I still have a foreclosure sale date of XX/XX/2019 looming ( dual tracking violation ) PHH is violation of both Federal and California homeowner protection laws and doesn't seem to care. I want to be given my legal right to save my home - please help. 

This is NOT a duplicate complaint. Thank you
Consumer complaint received 2022-02-25
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (WA)

The American Express Blue Cash Everyday Card offering brochure claims " Cash Back '' multiple times ( 5 times ) in its description of the incentives ; however, the " fine print '' states that " cash back '' is provided " in the form of Blue Cash Reward Dollars ( reward dollars ) ''. This is clearly false advertising and misrepresentation of the term " cash back '' employed throughout the descriptive attachments provided by American Express in its Blue Cash Everyday Card application package. American Express should be required to withdraw all related documents to the Blue Cash Everyday card, revise all documentation to eliminate all references to " cash back '' ( since they NEVER intend to provide the customer with cash ) and be subject to a penalty for the false advertising.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

DEPTEDXXXX  XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of
the Bureau.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

XXXX XXXX was sold to Navient and are reported the same old loans multiple times on all three credit bureaus XXXX, XXXX XXXX, XXXX as open. There is currently a legal action taken for fraudulent activity.
Consumer complaint received 2022-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Foris DAX, Inc. (NM)

Today XX/XX/2022, I started a transfer to Crypto.com. During which my funds were placed into the wrong location by a glitch of the UI/Design of the application. 
The amount of {$1500.00} worth of Bitcoin was to be transferred from my account to my crypto.com XXXX XXXX. 

During the transaction, the account sent the funds to a VOID/Created wallet that I DID NOT have ownership of. 

This is a violation of the use of my goods/serivces. The company owns BOTH the brokerage and the wallet. As a customer, I expect to be able to use my funds or be helped to receive assiance in the matter.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am distressed at the amount of time it is taking to get this resolved. I saw on my credit report that bankruptcies were showing on my credit report. So I wrote bankruptcy court to ask if they report this to the credit bureaus and they stated they do not. When I disputed this with the bureaus they stated that they verified the information. HOW IF BANKRUPTCIES DO NOT REPORT TO THE CREDIT BUREAUS. THIS IS A LIE AND A VIOLATION. I have attached all letters and certified letters sent to the courts and bureaus. I recently sent mail to XXXX XXXX as well telling them that they are in violation of my rights as well and sent letters to XXXX XXXX to fix this. Certified as well and was received by XXXX XXXX on XXXX XX/XX/2021.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My identity was compromised and used to obtain credit without my permission. Kindly to investigate and delete this fraudulent collection off my credit report. 
This account is attached with a fraudulent address not belonging to me. My signature is also not present nor any legal document, kindly investigate this. 

XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I received a promotional email from Chase entitled Tap and Pay 3X to receive XXXX bonus points. No enrollment necessary, I used my card in accordance with the offer which stated the points would 6-8 weeks to post to my account. On XX/XX/XXXX I contacted Chase customer service to report that I had made 3 transactions in accordance with the offer from XXXX to XX/XX/XXXX, yet no points posted. XXXX, XXXX researched my account and confirmed those transactions. The issue was escalated, # XXXX on XX/XX/XXXX. I called XX/XX/XXXX to follow up and account manager, XXXX, said a letter was sent to my home address on XX/XX/XXXX and that the points would take another 8-10 weeks to post from XX/XX/XXXX. I believe those points should be posted immediately since I fulfilled my end of this offer on XX/XX/XXXX, not fromXXXX when the issued was investigated and determined to be Chases error. I asked for immediate points but denied.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My Identity was stolen on dates around XXXX - XXXX Accounts have been opened in which I am receiving harassing phone calls even though I have done everything on my part to file police reports and provide all necessary documentation proving only my personal information was used without my consent or knowledge. Please assist me in getting this resolved once and for all.
Consumer complaint received 2021-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I notified XXXX shortly after I was furloughed from my job in XX/XX/2020 and later let go in XX/XX/2020. I requested and received a COVID relief payment plan from XXXX for the aforementioned account. Soon after, XXXX lowered my available credit limit, and began charging me over the limit fees in addition to the minimum payment due which I was unable to pay. I had several calls with XXXX collections representatives about this matter ; however, no one was willing to make the adjustments so that I could pay a reduced payment. I continued making payments in an amount I could afford which was in accord with what the minimum account due would be, yet I was reported to the credit bureau as past due. I removed my bank account information from automatic pay because the representative indicated that XXXX would sweep for the total amount due which had escalated to > {$400.00}. I missed the XX/XX/2020 payment because I was hospitalized after a major XXXX and was unable to push or call the payment in personally. I recently started a new job and TODAY, XXXX was the first account I paid in full since this was the ONLY bank that violated the CARES ACT and submitted negative credit report information despite my reporting to you that I lost my job due to the national natural disaster. I also realized that my account was closed by XXXX further harming my credit status.