davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law. The reporting of these accounts on my report are in direct violation of 15 USC 1681 ( 2 ) i which specifically states what should be excluded from consumer reporting. This is a federal offense and has serious ramifications if not corrected.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (NJ)

Fortiva Retail Credit has placed a collection debt on my credit report for what seems to be a home security system for an address I've never lived at nor been to. It is completely fraudulent. I have sent certified letters disputing the collection, as the address is completely foreign to me. Upon recent of my letter, a Fortiva representative spoke with me regarding my concerns. The representative stated that the address listed for the home security system was not known or associated with me, ever, nor was it on my credit report. The representative further deceitfully asked me for my address to verify that the account and address on file was not mine. Upon giving the representative my address, she then, unbeknownst to me, updated the account information to reflect MY address and mailed the collection papers to my house. Now the bill has my name and address on it to further their illegal and deceitful attempts to collect a debt for a home system I have never been to, owned, or been associated with.
Consumer complaint received 2021-05-02
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: CAINE & WEINER COMPANY, INC. (NC)

I have received a copy of my credit report and it shows company CAINE WEINER ( Original Creditor : XXXX XXXX ) account numberXXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one is reporting an account on my consumer reports and they have yet to verify and validate the debt. I submitted a request for them to send me an authenticated record of the account pursuant to Uniform Commercial Code Article 9-210 which states that the recipient must respond to the request within 14 days. It has been over 14 days and I have not received a response. I have requested that the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss, a copy of the 1099-c that was filed for the account, the truth in lending disclosures, the opt out disclosures, and any insurance claims for the account. I have also requested that they cease all communication both directly and indirectly which includes consumer reporting. Please see attached. I demand that they remove this account from all consumer reports.
Consumer complaint received 2021-03-28
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. (TX)

i have contacted experian on several different occasions to remove this information because i went to court twice and showed proof to the judge and he dismissed the case in my favor that i owed this apartment complex nothing now i have a pending lawsuit against them. Experian is the only credit company that has not remove this from my credit report stating that it is accurate.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

I have a small XXXX XXXX XXXX XXXX XXXX My current payment processor XXXX has been wonderful. I have had XXXX  invoices and deposited into my business account through XXXX. I had a pool pump and filter repair for a customer and decided to invoice through my bank, Chase bank quick accept feature. They use XXXX XXXX. I have never used them but want to give it a try since chase has been promoting them ALOT. My first and last time I will use them. I sent and invoice link to the customer. He paid right away with a debit card. I got an email 2 days later stating they have closed my XXXX XXXX account due to possible charge backs and fraudulent chargers. How they came up with this, I dont know. But they are stating they will be holding my funds for at least 120 days. This is very detrimental to my small business as this is now holding up funds for other jobs and shop tickets. I sent an appeal email on XX/XX/2024. They quickly declined my appeal after sending supporting documents. I need helping fixing this issue. I have read multiple bad reviews about this company.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hard inquiry on my credit report from XXXX XXXX  XXXX on XX/XX/. I did not apply for any form of credit with this company. At that time. Ive already called the company to report it. They advised me to also report with FTC and to the Experian credit bureau in which it was reported to.
Consumer complaint received 2020-02-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd. (TX)

This company has placed a derogatory remark on my credit. I have been paying the original creditor what I can every two weeks since I incurred the bill and have not missed any payments. I took my son to the doctor and was diagnosed with XXXX. I am not a rich person that can just drop {$1000.00} like nothing. Prices are way inflated. I have worked very hard on my credit. Seriously unfair.
Consumer complaint received 2021-08-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: OneMain Finance Corporation (WA)

OneMain Financial sent me a XXXX form without any detail. The amount on the form is {$87000.00}. I am not sure what this is about and am therefore contesting this debt.

But more than that, Washington state is a no recourse state, and after consulting with a tax attorney, I asked OneMain Financial to send me another 1099-C form without the box # 5 checked. Otherwise I will have to pay the IRS and I am not able to do so, which could push me into filing for bankrupcy.

I called, then wrote a certified letter. They never responded. Please help me and have them send me a 1099-C form without box # 5 checked. 
I have filed for an extension with the IRS until XX/XX/XXXX and do need this form before that date.
Consumer complaint received 2021-08-22
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. (PA)

hello, my name is XXXX XXXX. I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Consumer complaint received 2021-08-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.
Consumer complaint received 2020-05-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MI)

I have made several calls during XX/XX/2020, asking for help. I learned about forbearance option, 3 months, then I " would have to pay a balloon pymt at the end of the 3 months timeline! '' Through XXXX, I called numerous times wanting to talk to someone and was put on hold for ever and ever or was disconnected while being transferred to loan mod dept, and some of the CSR 's were horrible, totally not interested in helping, bored negative attitude, not into their jobs obviously. I told the 3 or 4 diff CSR 's " you can't do that and who will have that large amount of money to be able to pay a balloon after forbearance timeline? '' I also asked a few times to speak to someone re : loan modification ; and was told every time to go their web and fill out a form and was also told I " must go through forbearance plan first before a loan mod can be considered. '' What Freedom Mtg does  not tell you is that both forbearance or doing a mtg loan mod would blemish/damage your credit and that doing a forbearance would then force you to having to stay with them for another 12 months. Also I am upset because their web specifically asks for your complete SS # in order to setup your on line mtg. account ; they should already have my complete SS # plus I refuse to provide my entire SS # and address, etc, on their web, which is a great start opening the door up for identity theft to occur because they would see my entire SS #, my address, etc. NOT!! I hate Freedom Mtg : have read a lot about them since virus stayinplace lock-down and everything I've read is not good, very negative stories re terrible mtg service ( even before the virus ) with Freedom Mtg. Also had a ph appt scheduled today ( 3 days advanced scheduled ) XX/XX/XXXX at XXXX EST, was told either of two ( 2 )  refi experts would call me, waited all day, no one ever called me nor did the mtg scheduler, return my call when I called her at approx XXXX ; XXXX EST. ( I will provide a copy of our email dialog re my appt scheduled. TY
Consumer complaint received 2022-03-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BlueChip Financial (CA)

Company contacted me at XXXX ( XXXX XXXX ) on XX/XX/2022. Screenshots of voicemail are attached. They again contacted me today, XX/XX/2022 at XXXX ( XXXX XXXX ). 

This company is also being deceptive as the representative initially told me that I was not a part of a class action lawsuit, which I was and confirmed therefore this debt should have been cleared out. I was a part of the class action lawsuit Case XXXX, in the United States District Court for the XXXX XXXX of Virginia , against BlueChip Financial dba Spotloan and do not owe a current balance as you falsely stated. They lied in order to have me setup a payment arrangement, which I canceled as soon a I validated that I was in fact a part of the lawuit. They threatened legal action several times.
Consumer complaint received 2021-05-02
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. (MI)

Ally had put a loan on my credit report and I never had a car loan in my life. Thay said I owe {$12000.00} on a vehicle loan I never seen never signed and wont give me any kind of proof. Im at my end with this because of this I may have to file bankruptcy I owe them nothing and have no way to fix
Consumer complaint received 2020-11-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Hello, I sent a total 8 disputed requests to Experian regarding the XXXX account XXXX XXXX XXXX no longer being serviced by the company and has been discharged and sold with a company Im currently working with to fix the issue. However Experian hasnt completed an In-depth investigation or have reached out to XXXX or they wouldve known this and removed the item from my credit reiport. Instead they keep reporting it on my report late and marked, as derogatory. What happen to credit reporting agencies being held accountable? 

They have done a poor job with reporting accurate information when it comes negative accounts. I have attached an letter from XXXX admitting this account is no long with them. The XXXX Account should be deleted right away.
Consumer complaint received 2024-03-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NV)

My complaint is against Cash App for their mishandling and incorrect denial of a disputed transaction. On XX/XX/2024, I made a purchase of a bracelet from XXXX for {$39.00}, based on their false advertisement of the bracelet containing stones such as XXXX and being made of leather. 

Upon receiving the bracelet on XX/XX/2024, it quickly became evident that the product did not meet the advertised specifications, as it began to fall apart on XX/XX/2024. Despite XXXXXXXX XXXX return policy allowing returns within XXXX  days of receipt, my attempts to request a refund were met with unresponsive communication and a malfunctioning return portal link provided by XXXX. 

After exhausting all avenues with the merchant, I turned to Cash App for assistance in disputing the transaction. I provided Cash App with comprehensive details, including photographs of the faulty product and proof of delivery. However, Cash App hastily denied my claim without conducting a thorough investigation, erroneously stating that the merchant had fulfilled their obligations. 

This denial not only overlooks my rights as a consumer to protection against faulty products and false advertising but also highlights Cash App 's failure to properly review claims and provide valid justifications for denial.

Please investigate this matter thoroughly and hold Cash App accountable for their negligent handling of disputed transactions. Consumers deserve transparency, fair treatment, and protection against deceptive practices.
Consumer complaint received 2020-11-18
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. (PA)

on XX/XX/2020 i Contacted Transunion,XX/XX/XXXX And XX/XX/XXXX about inaccurate information reporting to my credit report. According to the fair Credit Reporting Act section 609 this companies are required to verify information being reported on my credit report. On XX/XX/2020 i followed up with the bureaus because i Didn't get a response. Today is now XX/XX/2020 and i still have not received a response. I have been waiting for well Over 60 days this a a violation.
Consumer complaint received 2021-01-28
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)

Hi Ive sent XXXX XXXX  and equifix 4 dispute letters stating unverified items and inquiries listed under my report dispute SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 My Profile has been and currently under Litigation and after over 4 months going on 5 Ive yet got any letter or any copy of the original creditors documentation on file to verify that any of this negative information is mine and is correct. They have failed to provide correct verification and Ive stated to them to respectfully deleted these information off my consumer file and it has been over 4 months and no response!
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (GA)

Fraudulent credit cards were obtained in my name and maxed out. I disputed with the company and they just verify the account and refuse to remove it. I've asked for proof of my signature opening these accounts and nothing has been provided. I am a victim of identity theft.
Consumer complaint received 2021-08-23
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: EQUIFAX, INC. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2020-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (GA)

American profit recovery, attempted to collect a debt that was not mine. I received a credit notification that a change on my account was detected and it showed a new collection account. I was never informed of any attempts to collect this debt prior to placing it on my credit file. They stayed they had sent communications to an Old address that I have not resides at in several years. This needs to be removed permanently from my credit file. It is not my account and I have no contract with the original owner of this debt. I am in the middle of a home loan process and this could have significant negative effects on my approval process and interest rate. This was placed on my credit file in direct conflict with the fair credit reporting act and fair debt collection practices act. This kind of illegal collection activity hurts Americans and places them in financial jeopardy. 

I have no documents to provide because I have not had an account with the original creditor. I spoke with a manager On XX/XX/2020 named XXXX XXXX who states this would be removed from my credit file. I was the consumer finance protection bureau to ensure this is done.
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

Chevron card. Apparently the bank did a data migration and they 1 ) Changed my billing address and 2 ) Cancelled my automatic payments ( that have been set up since 1995 ). They claim to have sent out an email, although I have no record of this.
Consumer complaint received 2020-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (GA)

I am not awear of a company by the name of Moneylion Inc I have never did any type of business with this company therefore someone used my personal information and took a loan out using my name. I did not know anything about this transaction until XXXX of 2018 it appeared on my credit reporting. I have filed a Identity Theif claim with XXXX XXXX and continue to dispute this charge I also spoke to the 3 creditors XXXX, XXXX, and XXXX I have request for a Fraud Alert placed on any new account that shows up on my credit reports.
Consumer complaint received 2021-01-28
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)

i was looking over my credit report a couple of weeks ago and noticed accounts on it that were not mine. There also isn't anyone other than myself who has authorized access to my credit report. I am not sure how this could have happened, but I am asking to please have these accounts re investigated. I am in a position now that i can not acquire new credit and it is completely unfair. Please remove these fraudulent accounts.
Consumer complaint received 2021-01-28
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: United Resource Systems, Inc (CT)

UNITED RESOURCE SYSTEM has been reporting on my account since XX/XX/2015 in the amount of {$750.00}, and has added derogatory marks on my credit report per privacy guard. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anyone can send a bill and say that it is mine. According to the FCRA, United Resource System has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Consumer complaint received 2021-10-13
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 — Their investigation did not fix an error on your report
Company: EGL US, LLC (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2020 XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2020 XXXX XXXXBalance $ XXXXDate Opened : XX/XX/2020 XXXX