davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AZ)

A collection company must have bought an old debt with my information but the debt wasn't mine I had to get an attorney because XXXX  even though I disputed it over and over. I've sent all the legal documents to XXXX and they are still not removing a collection that has damaged my credit for over a year now some of the other bureaus have finally removed it because of the legal docs that I've provided but XXXX is still not please remove Midland credit management it is not a collection I owe and you need to remove now.
Consumer complaint received 2022-03-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have been trying to dispute some inaccurate items on my Transunion report by mail and i keep getting notices stating that i am hiring a credit repair company to do so. I believe they are trying to stall the dispute process. I am legally allowed to dispute those items, and they are required to investigate in a timely manner.
Consumer complaint received 2021-06-24
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage pf and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by equifax breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudulent account tp be removed. I have attached my Drivers license and the FTC reports
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc. (IL)

As I have stated in previous complaints, these credit bureaus CONTINUE to merge my daughter and I. We have disputed our personal information with them OVER AND OVER again. Sometimes it will get removed and deleted but it gets added RIGHT BACK! BOTH OF OUR NAMES CONTINUE TO BE MISSPELLED! WE HAVE DIFFERENT LAST NAMES! SHE HAS A MIDDLE INITIAL AND I DO NOT! OUR DATE OF BIRTH 'S ARE DIFFERENT! OUR SOCIAL SECURITY NUMBERS ARE DIFFERENT! WHEN WE CALL IN TO REQUEST COPIES OF OUR CREDIT PROFILES AND CREDIT REPORTS TO BE MAILED TO US, WE ARE REFUSED! WE ARE BEING ASKED QUESTIONS FOR THE OTHER PERSON! OUR REPORTS HAVE ALSO BEEN MERGED WITH A THIRD AND FOURTH PERSON WHO WE MAY OR MAY NOT KNOW PERSONALLY BUT BECUASE THE SPELLINGS ARE SIMILAR OR BECAUSE WE HAVE SOMETHING IN COMMON WITH THE PERSON, THEIR INFORMATION IS ALSO BEING ADDED TO OUR REPORTS! I HAVE INCLUDED MY DAUGHTER ON THIS COMPLAINT! MAIL HER A COPY OF HER MOST RECENT CREDIT REPORT AND MAIL ME A COPY OF MINE! WE HAVE BOTH CALED AND REQUESTED OUR REPORTS OVER THE PHONE AND HAVE NOT RECEIVED THEM! WE HAVE BOTH REQUESTED OUR REPORTS ONLINE AND HAVE NOT RECEIVED THEM. THIS COMPANY REQUIRES A PHONE NUMBER ON THE ONLINE REQUEST! WE DO NOT HAVE A PHONE NUMBER TO LIST! WE ARE NOT ALLOWED COPIES OF OUR REPORTS VIA ONLINE OR BY PHONE! THEN MAIL US BOTH A NEW COPY OF OUR REPORTS EFFECTIVE IMMEDIATLY! WE HAVE ALSO BOTH REQUESTED SECURITY FREEZES AND NEED OUR PIN NUMBERS MAILED TO US! WE DO NOT KNOW THEM BY HARD! PLEASE MAIL US BOTH A FULL, COMPLETED, PRINTED COPY OF OUR CREDIT REPORTS TODAY! WE ALSO NEED A COPY OF OUR CREDIT SCORES WITH THIS AGENCY!
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Deinde Online Services, LLC (WI)

I received a letter from a company identified as IntegraCredit located at XXXX XXXX XXXX XXXX, Suite XXXX, XXXX, IL XXXX. They stated in the letter I owed them {$1700.00} for a loan I supposedly had taken out. I have never heard of or had dealings with this company and I have no outstanding loans. I contacted the company by email and phone. They have not responded to my email. On the phone, they wanted me to give them the last four numbers of my social security number. I explained to them they are contacting me and I have never done business with them, so there is no reason for them to have my SSN. They refused to talk to my without providing that information. 

I suspect this is an episode of fraud or identity theft, but without the company 's willingness to talk to me, I can not resolve the problem.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (PA)

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. Enhance Recovery Services hired a third-party collection of XXXX XXXX to report items on the credit profile. Requesting Identification and signature If practices failed prior, my credit shouldn't be compromised as a consumer. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2021-01-28
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: JPMORGAN CHASE & CO. (IL)

I received a package delivery from Amazon on XX/XX/XXXXthat I did not order. I called Amazon the following day to report the package with all pertinent information. Amazon examined my standing account with them and determined my XXXX card on file was not used for this purchase and via letter, told me the product was mine to donate. I tried to get a return label to send back as I had no interest in this product. Two days later I discover my Chase Visa was charged for this product which I have never used for any Amazon purchases. I called Amazon again, to dispute and asked again for a return label. Again I was told my account was safe. I disputed the charge with Chase. They promptly removed the charge and issued a new card. I tried Amazon a third time for a return label and I was told that fraudulent account was suspended and they could not issue a return label. Chase in XXXX reposted the charge to my visa. I called and the position they took was I received the product, therefore I had to pay for the product. I questioned Chase 's investigation and sent to the Fraud Department all of the documentation sent to me from Amazon along with my purchase history and verification of my XXXX XXXX on file. They promised to re-investigate and this week sent a letter that the charge will stand. I called Amazon once again to request a return label, I don't want the product and I don't want to pay for the product that I have no interest in dealing with a donation nor sale of the product. 3 Phone calls with Chase, 5 with Amazon and I am still on the hook for a system to build a super gaming system that sold for {$410.00}. I have no resolution and feel both Amazon and Chase are to blame.
Consumer complaint received 2022-04-26
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. (IL)

I lost my purse at XXXX 3 years ago. I had utility bills opened in my name, credit cards, and even loans. I've been trying by myself to get this stuff off my reports. I need help. I was told y'all could help me. Please help me.
Consumer complaint received 2022-01-08
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. (PA)

I spoke to all 3 credit bureaus on the phone back in XXXX to ask them procedures for fraudulent items on my credit reports. They all told me to submit a dispute letter, statement, IdentityTheft.gov report, ID, social security card, and a utility bill proving my identity and address which I did back in XXXX. XXXX and XXXX removed these fraudulent items but TRANSUNION has not responded or removed them. Please help
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

Cfpb, contacted those involved, offer was given to us, we accepted, signed docs and later were told before loan servicer merged with other entity we werent qualified, XXXX was requested and proper tier bracket., XXXX XXXXXXXX has been involved since 2018 and felt that I should have legal representation due to the fraud of XXXX XXXX XXXX XXXX said to represent me with securitization audit and quiet title action, her third party letter of authorization was included but when she was contacted, she stated she never had an office in XXXX XXXX  XXXX and never heard of me or XXXX attorney services which was doing the work in XXXXXXXX XXXX XXXX XXXX XXXX, and is showing as an address I have as residence on credit report. Fraud was found by XXXX XXXX and XXXX was credited but effects of Wrong IRS amount XXXX and other put me wrong workout solution now merged with PHH. Conference call today scheduled today after furloughed due to XXXX and returning to work. A balloon payment was added after we were told we canceled the original XXXX offered. We did not cancel it. All is recorded by XXXX a approved HUD counseling agency. Needing to become current with XXXX gross income but IRS debt due from lack of represtation of XXXX not supplying the actual debt. XXXX legal was using XXXX attorney services while taking funds electronically out of by bank account. Other attorney foreclosure rescue scam for XXXX went to jail and left me hanging. XXXX XXXX and XXXX, fraudulent also
Consumer complaint received 2021-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (MD)

I had current insurance coverage with XXXX XXXX XXXX XXXX. I contacted the insurance company at the time and was informed that the medical charge would be covered. I contacted the provider when the account went into collections and then contacted IC system to resolve the matter and provided information but was told nothing could be done. This collection is affecting me financially as it is the only negative derogatory marks on my credit report and is impacting the possibility of me obtaining any type of loads at a rate that would be considered average.
Consumer complaint received 2022-04-26
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. (IL)

I lost my purse at XXXX 3 years ago. I had utility bills opened in my name, credit cards, and even loans. I've been trying by myself to get this stuff off my reports. I need help. I was told y'all could help me. Please help me.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have tried to send Multiple disputes regarding my credit report with no response. I call and still do not get a response. I sent multiple letters with out a response over 30 days ago.To this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute.
Consumer complaint received 2022-04-26
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-05-02
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: CrossCountry Mortgage LLC (FL)

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; FDCROSSCOUNTRY MORTGAGE is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. FDCROSSCOUNTRY MORTGAGE is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : FDCROSSCOUNTRY MORTGAGE XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. FDCROSSCOUNTRY MORTGAGE is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.
Consumer complaint received 2017-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

I reached out to the XXXX XXXX several times over the last year. I have asked them for proof of this debt ; I have asked them for proof that I owe them ; I have asked them if they are license to collect this debt ; I have informed them that this debt does not belong to me. This company has refused to respond to my request. This account should be removed from my credit reports immediately. This is a violation of the FCRA. This company should be fined for not yielding to the federal laws.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. ()

I am writing to bring to your attention a concerning issue I am facing with Square Inc. involving the holding of my funds which is {$450.00} in my savings account for an extended period. Despite my repeated attempts to address this matter with Square Inc., I have yet to receive a satisfactory resolution.

Approximately several months ago, my funds were placed on hold in my savings account with Square Inc., preventing me from withdrawing them. In an effort to resolve this issue, I have contacted Square Inc. on multiple occasions, only to be met with inadequate responses and lack of tangible solutions.

I was initially informed by Square Inc. that the funds would be released within 90 days. However, this time frame has elapsed, and my funds remain inaccessible for transfer. 

This prolonged delay in accessing my funds has caused significant inconvenience and financial strain. As a consumer, I believe that I am entitled to timely and transparent assistance, which has been lacking in my interaction with Square Inc.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (NJ)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-04-26
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-10-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have sent several letters to these companies which are : 1.XXXX XXXX XXXX XXXX, 2.Bank of America, XXXX also known as ( XXXX XXXX XXXX XXXX ), and 4.XXXX XXXX asking them to send me validation or Verification of the debt that they claim I owe. It has been more than 30 days since I sent these letters out with No response These company is reporting fraudulent information on my credit report Which is Violating my consumer rights. They are required to respond to my letter within 30 days. Since they have not these companies most send a letter to the three credit bureaus XXXX XXXX XXXX that they most delete these companies off my credit Report.
Consumer complaint received 2024-03-20
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

In early 2020, I was informed of this debt from IC systems representing XXXX XXXX XXXX  when I was in the process of buying a home. The debt did not belong to me so I followed protocol and procedures and sent them my Information and filled out their fraud packet. I also contacted XXXX and provided a police report and it removed within a few days as well as flagged as fraud from the collection company. This morning it was submitted on my credit report but for a different amount. I contacted them right away and was apologized to regarding it severely affecting my credit report and that it would be removed. I also contacted XXXX and they requested for me to fill this form out so they can block this company from being submitted to my account again.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello My name is XXXX XXXX, on XX/XX/2020 Arizona Department of Economic Security gained access to my Bank of America pre-paid debit card. They used that access to take {$2600.00} in funds without permission. I have called Bank of America on several occasions and I have called Arizona Department of Economic Security a total of fifty times in the past seven months. I have gotten no response from DES regarding my issue. I am still receiving unemployment from DES to this day. They have verified who I say I am they just have not given back the funds they stole.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HireRight Solutions, Inc. (IN)

HireRight LLC, consumer reporting agency must correct, or delete inaccurate, incomplete or unverifiable information, must be removed or corrected within 30 days. The agency didn't request documents I didn't receive documents related to the reporting, police reports, Accident reports, all reports on file, and remove all negative information that is seven years old. HireRight reporting agency is giving fraudulent information without investigation.
Consumer complaint received 2021-10-13
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-11-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems of the Fox Valley, Inc. (WI)

I am federally protected consumer and CREDIT SYSTEMS OF FOX VALLEY has damaged my reputation and cause financial injury. pursuant to 15 usc 1692a, CREDIT SYSTEMS OF FOX VALLEY violated my right to individual privacy by gaining access to my personal information, furnishing information of an alleged debt to my consumer report which damaged my reputation and causing financial injury. I have been denied credit because of this allege debt on my consumer report. 



CREDIT SYSTEMS OF FOX VALLEY violated 15 USC 1692c ( a ) because they did not received written permission from me a federa lly protected consumer to have my personal information or to communicate with me. 

CREDIT SYSTEMS OF FOX VALLEY has used abusive language in their communication to me about this alleged debt and have committed a number of other violations according to 15 USC 1692. 

CREDIT SYSTEMS OF FOX VALLEY has deleted accounts from my consumer report however deletion is admission to the numerous 15 1692 USC violations they committed.