davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (NY)

I received a letter from a group called Sunrise Credit Services. XXXX XXXX XXXX ( XXXX ) dated XX/XX/2020, supposedly seeking to collect on XXXX $ owed to XXXX. 

XXXX actually took the money directly out of my account. ( It's a charge that I dispute, for equipment that was taken by a technician during a repair last year. I therefore could not return XXXX XXXX equipment when I moved recently - since XXXX already had the equipment. However, it has been paid, against my will. ) I am filing this to document the fraudulent letter from Sunrise Credit Services , Inc, claiming that I needed to call their automated phone payment system at XXXX, and that they would report the account balance to one or more national credit bureaus by XX/XX/XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/XXXX, a fraud alert was emailed to me shortly after midnight from Barclaycard ( document submitted as part of complaint ). When I logged into Barclaycard, I saw transaction details for {$310.00}. The details referenced XXXX and a vendor named Pandakajiyo ( document submitted ). When I logged into XXXX, it showed a vendor name that I couldn't read ( document submitted ). I filed a dispute, as I had never done business with the merchant that XXXX listed. I also began receiving a large number of spam messages suggesting my XXXX had been hacked. I changed my password to XXXX as a precaution and spam messages subsided. 

On XX/XX/XXXX, Barclaycard sided with the seller on my dispute. Their reasoning was that the seller supplied some details. The details give no information as to what was supplied. In fact, it only gives vague statements ( document submitted ). We received no goods or services from the company, and at this point are still unsure what the XXXX vendor listed on the Barclaycard statement provided is or what it does. 

We have maintained continued contact with both Barclaycard and XXXX. Neither of them are able to help with this. 

In summary, our XXXX was hacked and our Barclay credit card charged for something we never purchased. Neither Barclay, nor XXXX has been able to help us. It has been almost XXXX weeks now.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (CA)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605 b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Ive notified the three credit bureaus numerous times about inaccurate information on my credit report. Ive expressed to them each time I call that the information is incorrect that they have on file. I was told by one of their representatives that the information was cross referenced. I can not be verified verbally because of this so I have to file on line. This information is constantly being updated on my credit reports. Ive disputed it numerous times and it has not been removed. It has been over 90 days with me trying to have this information removed. Ive sent in a police report in the past, and Im still being asked for additional information. Ive requested that my credit report be frozen due to this, and Im still seeing hard inquiries posted damaging my credit. Ive requested documentation from the creditors with my signature as proof, showing that these are my accounts and I still to this day have never received that, but Ill receive a message that it was verified and they updated it on my credit report. The Applicable Law U.S.C 1746 states that if documentation is not presented with a signature, it is null and void, and Ive not received anything with my signature on it as Ive requested numerous times. The information that they have is inaccurate and its erroneous on the bureaus behalf, because I can not self identify because of the information that they have on file for me. Im requesting that this matter be resolved promptly, because its problematic to me, and its damaging to my credit.
Consumer complaint received 2019-09-22
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. (NY)

For the past 6 months, I have been paying down my debt quickly and I have not been late with any payments for a long time nor do I have any delinquencies. Naturally, my credit score went up with all three bureaus from XXXX to XXXX. 

To my dismay, a couple of weeks ago my score with Equifax dropped 26 points on XX/XX/XXXX, I called them to ask why because i am current with all my accounts and I had nothing delinquent or fraudulent on my credit report. I called twice and they failed to explain anything to me claiming that they could not access my credit report. I also can not get in touch with anyone in the United States, only call center seems to be in the XXXX which sketchy. I also filed a dispute with Equifax about this. 

On XX/XX/XXXX I get another alert that my credit score has dropped again with Equifax for another 15 points and I am very upset and angry. I looked at my report and saw all these disputes and removed remarks and so on. I did not authorize any of that activity. I called Equifax and spoke to a XXXX man who accessed my credit report but did not do a good job explaining to me what happened. I was getting frustrated and kept asking him to explain to me in a different way but he proceeded to repeat himself as a robot would. He claimed that I filed disputes against all of my creditors and I told him I did not. He accused me of lying after I told him that this was fraudulent activity. As I mentioned in the prior paragraph, I told him that the only dispute I filed was with Equifax a couple of weeks ago when they dropped my score 26 points for no apparent reason! Eventually, he just hung up on me. 

This seems very unfair, I have a right to know whey Equifax is messing with my credit score and messing with my life. There is no apparent reason for them to drop my credit score nearly 41 points in less than a month! 

You should also know that this score drop only happened with Equifax, my score with XXXX  and XXXX is in the XXXX and now Equifax is in the XXXX again. I suspect fraud and wrongdoing.
Consumer complaint received 2019-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

On XX/XX/XXXX I went to an XXXX XXXX in XXXX, NC. I chose this particular facility because I knew that it would be covered 100 % by my medical insurance. When I spoke about the services I'd be receiving, they told me that my insurance would cover ALL of it and I would not have to pay for anything. Around XX/XX/XXXX, I received a bill from XXXX XXXX that stated I owed {$790.00} for service that was rendered on XX/XX/XXXX ... .I did not go to this or any other XXXX XXXX facility on this day, as I was at work from XXXX. When I called the facility in XXXX, I asked them why I was sent a bill, the person I spoke with stated that I didn't owe anything. A month later, I received another bill for the same amount of {$790.00}. Once again I called and asked why I owed anything since I was told that my medical insurance company covered everything. Once again, I was told I didn't owe anything. Around XXXX of XXXX, I received a bill from Bull City Financial ... a collection company. I was placed in collections for {$790.00} that I don't owe to begin with.
Consumer complaint received 2019-09-23
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: Experian Information Solutions Inc. (IL)

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX At XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (CA)

a collection Agency ( Hunter Warfield ) tries to collect a Debt from a Company ( XXXX XXXX ) that doesn't exist and failed to verify the Debt to my person! The company still threatens me and damaged my Credit
Consumer complaint received 2019-09-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (PA)

This is a credit card debt that is from XX/XX/2014. The creditor is Barclays Bank. I was laid off in XX/XX/2014 and used my severance pay to hold me over until a new job but the severance ran out first and multiple of my creditors fell behind. Now Barclays refused to make arrangements with me and now I find out a law firm represents them levied my wife and I checking account putting it negative {$2300.00}. We live pay check to pay check and we live off 1 income. The lawyer is XXXX XXXX attorney # XXXX. I am willing to make arrangements minus fees and whatever this lawyer cost.
Consumer complaint received 2019-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

I have paid early every month. They put one payment into suspension and then reversed it. Since then, they have been charging me a late fee. When trying to fix this by putting in reversals, I cant follow where the money is going. I have spoken to 3 customer service agents that cant follow where this is going as well. They see where it all stemmed from and why the reversals have been put in. They can not figure out why money is being applied to other and what that is. You also cant follow where the principle payments have been applied properly.
Consumer complaint received 2019-04-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MRS BPO, LLC (CA)

MRS Associates called my workplace regarding a debt. I have no out standing debts! I told them they were mistaken, became verbally abusive and threatened to tell my employer lies. 
I looked up the company and they have several complaints, I am attaching a print out from the XXXX XXXX Website They are based in XXXX XXXX New Jersey phone numbers are XXXX and XXXX
Consumer complaint received 2018-09-18
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. (ME)

In XX/XX/XXXX we received a response from XXXX XXXX XXXX ( " XXXX '' ) concerning the length of time the company reported a negative item on our credit reports. I have attached a copy of the company 's response. We submitted a complaint to your agency on XX/XX/XXXX and XXXX responded that this is a duplicate inquiry. However, this is a new complaint. XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/XXXX. 

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported. We are now past the 7 year period and XXXX continues to report the negative item on our credit reports. When we filed our initial complaint in XX/XX/XXXX, the 7 years had not fully lapsed. We are now over the 7 year mark and the negative item remains on our credit report.
Consumer complaint received 2019-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (AZ)

In XXXX of XXXX I purchased my home and BMO Harris over estimate my tax escrow amount by {$700.00}. I paid my the total amount due for my XX/XX/XXXX property taxes to the taxing authority in XX/XX/XXXX. They have since paid my XX/XX/XXXX installment and have yet to refund the escrow overage back to me. During the month of XXXX I've reached out to them by phone times and spoke to a rep, and I went into a branch and spoke with them face to face. In XXXX I spoke with another rep over the phone and ach time they took my information down and advised that some one would be in contact with me.Yesterday I called the branch that I went into in XXXX and ask for the branch manager. He wasn't available and a left him a voicemail to which he hasn't yet responded.As of today, I'm still waiting for the escrow refund and for my month payment adjust accordingly.
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CT)

A Collections report has been filed on my credit report 3 times by IC Systems for a debt of {$150.00}. Not only is the debt not mine but they are repeatedly flagging my credit report with the same debt. Are the collections companies permitted to report the same debt more than 1 time? I have read that they are not.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I had paid this account off, and called the company to ask why they had not updated my credit report since XXXX. 
I found today on my credit report they had updated my information but state that it was closed by the consumer. This is incorrect information. 

I just wanted to ensure that the balance was at XXXX so I could use the card if I so wished moving forward. When I call the automated service is states I have an amount available when I look online it shows an amount available but I never asked for the account to be closed. I have several other cards with this bank with no problems so confused as to why this has led to derogatory information, meaning my credit score dropped because it doesn't show the amount available any longer. I paid the {$56.00} as they had added this as interest for some unknown reason. They reported closed on XX/XX/26 after not reporting for 5 months.
Consumer complaint received 2019-04-25
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

Wakefield Associates continues to contact me after I have given them my attorney number to verify that this debt they are trying to collect is still pending and the amount isn't correct as well. Pending lawsuit for auto accident.
Consumer complaint received 2019-04-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (NC)

Lendmark refuses to apply S.C.R.A. Interest rate reduction to this loan for the period of time I was mobiled to XXXX XXXX XXXX-XXXX. 
Local manager claims ignorance on what Headquarters does.
Consumer complaint received 2019-09-22
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: CITIBANK, N.A. (NC)

XX/XX/XXXX I filed a dispute with XXXX and XXXX about me not having any knowledge of account with Macy's/DSNB, I received the outcome from the dispute stating that the account is valid. I have been a victim of identity theft going back to XXXX, and the statement I issued to each and every credit bureau seemed to have been ignored and credit was issued under my identity. I have submitted several police reports and I also filed an complaint with the federal trade commission about this matter and the credit bureau and/or company have not did its jobs as to investigating my concern throughly and removing the item til this day.
Consumer complaint received 2019-04-25
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

there are errors on my report because of breech with XXXX but it seems as though the credit reporting company will not delete incorrect information. HOW CAN I GET ITEMS DELETED OR REMOVED THEY ARE NOT MINE, MY IDENTITY WAS STOLEN.
Consumer complaint received 2019-04-25
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: JPMORGAN CHASE & CO. (NY)

XX/XX/2019 And XX/XX/2019 this XXXX account popped up on my credit report which I was never aware I had given my information to any company in the passed months and I called them to get rid of it they said to contact XXXX and its just been a back and forth situation I need it to get all these off of my report