davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Account was previously reported to CFPB and ARS responded stating that the account in question was opened on XX/XX/2020. However, ARS is reporting this account as opened on XX/XX/2020 on XXXX and XXXX. They are reporting the account as opened and closed on my report. Also there are other inaccuracies and erroneous reporting that I have mentioned in my last dispute to the credit bureaus. Copies have been mailed and faxed to ARS. This reporting violates my rights and need to be removed from my credit report immediately as stated by the FCRA.
Consumer complaint received 2022-01-15
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. (NE)

I've given info to XXXX more than once proving several accounts were fraudulent or have fraudulent activity and they will not remove the fraudulent activity. XXXX has far more to harm my credit than anyone else. I think it's disgusting that the main reporting agencies are abusing their authority so blatantly. Equifax with their data breach and XXXX for not investigating disputes. I want them held as accountable as I have been for their criminal disregard for my credit. I expect a quick and harsh punishment for these agencies as well as lenders who knowingly lie and manipulate the books. I will be planning to go to Washington DC and have a peaceful sit-in protest until all government agencies are held accountable for their neglect and non action
Consumer complaint received 2020-01-28
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: Eagle Accounts Group, Inc. (NY)

while looking on my credit monitoring site I noticed it was two accounts that do not belongs to me they are 1.XXXX  XXXX in the amount of {$470.00} 2.child support enforcem in the amount of {$450.00}
Consumer complaint received 2022-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I have never had an account with this company, I've never heard of them. If this is my debt why have I never received a bill to my address that I've lived at for the last 16 years. I have had the same energy company which is XXXXXXXX XXXX  XXXX. I feel this is an identity fraud, I reached out to this company by phone and I finally got an answer first it's not a professional business. Said they have no account under my name, then after I gave my phone number she says oh oh wait I found it. She then transfer me without telling me that line rung 15 times then hung up. If this is my account I would like to know under who name, what address was it used for and something a bill showing I ordered this service. I'm upset with XXXX because I have a membership and I feel they didn't research it enough to leave on my account. It was 2 accounts which were from this same company 1 bill for XXXX and the other XXXX. Please research this company it is definitely a fraud attempt. I have no documents because I never had this service.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I have two accounts with Marcus, one has been open for a long time and recently opened a joint account. Marcus has blocked all my access to both of my accounts on XXXX XXXX claiming they couldn't verify my joint account owner. Mind you they blocked both of my accounts and refused to get me access to even see the funds in my account since last week so I have not been able to log into my account. After multiple verification calls and discussions with all different representatives, we were advised that we should initiate the closure of the joint account in order for me to get the quickest access to my personal account. In order to do so, we would have to move the funds out of the joint account which we agreed to do so but then they blocked the transfer out for no reason. I had called again, initiated another transfer, confirmed next day with a Marcus rep that it went through but it never showed up in my external account so gave them yet another call and again they blocked the funds going out of the account for no apparent reason. At one point the representative switched the account numbers and tried to withdraw funds from my external bank instead of sending funds there which cased another delay on the funds coming out because as Marcus claim it, they saw that I stopped the wrong transfer so they cancelled the correct one too despite the rep telling me all went through when I called to confirm the next day. I'm now a week with out access to my funds, all the bank representatives tell me different things on why the transfers apparently can not come through and why I'm unable to close the account and get access to my second personal account where I hold all of my life savings, just being more time to hold my funds despite me calling daily and trying to get access to at least see my account. I have been a loyal Marcus client for years and they are now refusing to give me access to my account and my funds. I have already spent over 10 hours in the last week on the phone with them and I'm lost as to what else can I do if they continue to block my transfers which they advised me to do so I can close the account and get access to the other unrelated account on my profile.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

A repo collateral so debt was paid and still won't remove off my credit being over 7 years and they still applying it to my credit would like for it to be removed
Consumer complaint received 2023-04-05
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)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I currently have a mortgage that is serviced by Specialized Loan Servicing with the contact information below. This is a conventional loan with XXXX XXXX XXXX ( XXXX XXXX. As of XX/XX/XXXX the XXXX of this account was scheduled to be less than 78 %. The original value of the home was {$520000.00} as seen in XXXX 's records, 78 % of which is {$400000.00}. The principal balance on XX/XX/XXXX was scheduled to be {$400.00}. As required by law XXXX should have automatically removed property mortgage insurance. 

Specialized loan servicing has disbursed {$150.00} for XXXX  in each month since XX/XX/XXXX, including XX/XX/XXXX for a total of {$750.00}. 

I reached out to the company on XX/XX/XXXX, both through their message center and by fax as instructed. I have yet to receive a substantive response either by phone or by mail on the subject. They disbursed XXXX on XX/XX/XXXX after my inquiry. 

Specialized Loan Servicing XXXX XXXX XXXX XXXX, CO XXXX Phone : XXXX
Consumer complaint received 2021-12-01
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)

Please be advised, Ive tried explaining to XXXX XXXX XXXX and Experian. Ive been a victim of identity theft. Ive sent in multiple disputes asking for debt validation. Ive also sent in FTC report. Im being told its coming back verified. All of the following accounts are fraudulent. 
Ive never down business with these companies or entered into a written contract with these companies. 

XXXX. XXXX XXXX acct # XXXX XXXX. XXXX Acct # XXXX ( {$2500.00}, {$240.00}, {$72.00}, ) XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX  acct # XXXX
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian continues to generate credit scores based on outdated and inaccurate information. Dispute system is severely flawed hurting consumers and duping consumers into applying for credit cards recommended by Experian which results in adverse credit score results. Misleading and inaccurate reporting practices.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (IL)

I never knew that this was on my credit report, until I went on XXXX XXXX and seen this negative information, Ive been sick and I dont know why this is on my credit. Its showing a XXXX gas bill which I dont owe. I never heard of this company until I XXXX them and read all of the negative reviews.
Consumer complaint received 2023-10-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC (TX)

I hope this message finds you well. I am writing to bring to your attention a critical matter regarding identity theft that I have been grappling with. Despite initiating a freeze on my account in the past, I am experiencing persistent issues, including the unauthorized creation of loans under my name. 

I am writing to bring to your attention a case of identity theft that has greatly impacted my financial well-being. I recently discovered unauthorized activities on my credit report through XXXX XXXX, specifically a loan from Speedy Cash that I did not apply for. 

The identity theft traces back to an incident at an extended living company in XXXX XXXX, Texas, where my personal information was compromised in XXXX. Despite the individuals responsible being terminated, I was not provided with any information about the breach at that time. 

In addition to the fraudulent loan, I have received emails from various loan companies regarding accounts that I did not create. This ongoing issue has been adversely affecting my credit and financial stability since XXXX. 

Unfortunately, I do not have supporting documents for the Speedy Cash loan as I never applied for it. I am reaching out to the CFPB to request assistance in investigating and resolving this matter promptly. 

I understand the severity of identity theft and its potential long-term consequences. I kindly request your support in addressing this issue, freezing my credit, and taking any necessary steps to rectify the fraudulent activities associated with my identity. 

Thank you for your prompt attention to this matter. I appreciate your assistance in helping me navigate through the challenges posed by this identity theft.
Consumer complaint received 2024-02-26
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i . I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX XXXX  XXXX. 
Account # : XXXX Amount {$2900.00} XXXX XXXX XXXX. 

Account number XXXX Amount {$830.00} Account name XXXX XXXX XXXXXXXX XXXX  Account number XXXX Amount : {$1900.00} Account name XXXX XXXX XXXX Account number XXXX Amount {$670.00} Account name XXXX XXXX XXXX  Account number XXXX Amount : {$470.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Amount : {$500.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$790.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$1700.00} I do not have a contract with these companies and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.

If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past XXXX months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-02-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: DailyPay, Inc (NV)

I STARTED A NEW JOB ON XX/XX/XXXX. IMMEDIATELY I WAS INUNDATED WITH EMAILS TO SIGN UP FOR PAYCHECK ADVANCES FROM DAILYPAY ( COMPANY NAME ). I DID NOT SIGN UP. ON XX/XX/XXXX I RECEIVED AN EMAIL THAT I HAD ADDED INFORMATION TO THE ACCOUNT. I CALLED DAILYPAY XX/XX/XXXX AND THE REP STATED SHE WAS OPENING A FRAUD TICKET. ON THURSDAY XX/XX/XXXX THAT I HAD ADDED A BANK & DEBIT CARD. I CALLED DAILYPAY XX/XX/XXXX AND THE REP ( MALE ) THAT ASSISTED STATED THAT THE PREVIOUS REP ON XX/XX/XXXX " MESSED UP '' AND DIDN'T " FREEZE '' MY ACCOUNT & THAT FUNDS HAD BEEN TRANSFERRED. SAID I'D SPEAK W/ THE FRAUD SPECIALIST XXXX XXXX SHE PROMISED THAT THE FRAUD CASE WAS OPEN & NO WITHDRAWLS/PAYMENTS WOULD PROCESS. ON XXXX MY PAYCHECK WAS ERRONEOUSLY DEPOSITED INTO THIS DAILYPAY ACCOUNT. NOW THEY HAVE MY ENTIRE PAYCHECK & ARE REFUSING TO RETURN IT.
Consumer complaint received 2021-12-01
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)

Please be advised, Ive tried explaining to XXXX Trans union and XXXX. Ive been a victim of identity theft. Ive sent in multiple disputes asking for debt validation. Ive also sent in FTC report. Im being told its coming back verified. All of the following accounts are fraudulent. 
Ive never down business with these companies or entered into a written contract with these companies. 

XXXX. XXXX XXXX acct # XXXX XXXX. XXXX Acct # XXXX ( {$2500.00}, {$240.00}, {$72.00}, ) XXXX. XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXXcct # XXXX
Consumer complaint received 2020-06-03
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. (NC)

To whom it may concern : My name is XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Consumer complaint received 2018-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MD)

XXXX XXXX XXXX has placed a collection acct onto my credit report without any prior notification. I do not own nor have I ever had any credit card with this company. I would like copies of a credit application along with any identification used to fraudulent obtain this debt. I also would like this removed from all three credit agencies immediately. I have previously been a victim of Identity theft.
Consumer complaint received 2021-02-08
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: Conn's, Inc. (MS)

the agency must notify the consumer of the debts delinquent status through a demand letter or dunning notice. Please Send documentation of charges or written proof of purchase, Violation Charge APR fees monthly after statement date
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reached out to Transunion Credit Consumer Solutions on XX/XX/2021, to advise them that they are reporting my mortgage company ( XXXX XXXX ) inaccurately. I mailed them supporting documents to back up my claim. XXXX XXXX has also reached out to Transunion to confirm and back up my claim. TransUnion is refusing to update my credit report to reflect that I have a tradeline with XXXX XXXX in good standing and never late.
Consumer complaint received 2021-09-15
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. (MA)

On XX/XX/2021 I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XX/XX/2021. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. Mr. XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact Mr. XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.
Consumer complaint received 2021-01-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

Received a letter from Phoenix Financial services stating I owe a debt, but I have never did business with this company and it states debt is from 2015 which I don't recall this debt. This letter does not give enough evidence to confirm that I am the person that owe this debt.
Consumer complaint received 2022-05-01
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. (CA)

In accordance with the fair credit reporting act. 

XXXX XXXX XXXX  account # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX  account # 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 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (CA)

There is a collection account on my credit files that is fraudulent and currently reporting by Caine & Weiner. This account XXXXX {$80.00} is reporting on my report via XXXX XXXX. I have attached the FTC Identity Theft.
Consumer complaint received 2022-01-15
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. (WI)

On multiple occasions, I have submitted documentation and proof that what the credit bureau is reporting to my file is inaccurate and unverified. I have contacted the direct source that the bureau reports is allegedly reporting this erroneous information. Those sources provided me with verification that the accounts being reported as derogatory on my credit file are NOT VERIFIED and ARE INACCURATE. I have submitted the documentation from those sources to the bureau yet the bureau continues to place inaccurate and unverified information on report.