davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX  XXXX {$3900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX {$320.00}
Consumer complaint received 2021-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

XXXX XXXX, the branch manager at US Bank in XXXX XXXX requested forms verifying my State of Ca paycheck in order to release my funds after my account has been closed. 

My HR department spoke with XXXX directly and submitted the forms he requested and he is now saying he does not know if he can release my funds back to me. 

My HR personnel confirmed with our State Controllers Office that the check did not return as they claim and was in fact processed, US Bank received the funds from my check on XX/XX/2021. 

Please review the attached documents. 
For one month they have continuously attempted to block every opportunity to release my funds.
Consumer complaint received 2021-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (SC)

I was involved in a car accident in XXXX.the other driver was deemed at fault and the insurance company had me sign documents stating they would pay the XXXX XXXX XXXXXXXX bill.once I seen the bill was on my bell credit I contacted the insurance company and they sent me documents proving that the bill was paid and the check cleared. When I tried to contact XXXX XXXX XXXX  its say they are permanently closed.
Consumer complaint received 2021-06-04
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)

There are two accounts on my credit report that do not belong to me they are not my accounts!!!!! I have opened an FTC I have emailed, mailed and made numerous phone calls to all the bureaus and the furnishers and they keep saying we will look into this or opena dispute yet nothing is being done I need help to resolve this why are the credit bureaus reporting incorrect information!!!! 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$34000.00} XXXX XXXX  XXXX - Acct # XXXX Amt {$0.00} INQUIRIES Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (IL)

hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me XXXX  is ignoring me and Experian its been XXXX  months nothing done still
Consumer complaint received 2021-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

The first time I was informed of the collection was XX/XX/2017, I received a collection letter from Procollect. An individual XXXX XXXX XXXX XXXX leased an apartment using my Information. I contacted the collection agency immediately and they said I had to pay. I contacted the 3 credit bureaus, placed identity theft on my credit and sent in documents to have it removed. After Initial call, I called about 3 more times to speak with the rep handling my file, she seemed unconcerned about my situation and rude, every time just said to email documents because she never received. Procollect has never sent a document signed by me, or any evidence that ties me to that lease agreement, they didnt even investigate because if they had they would notice the names are not the same. I have given up with no one listening. I am now in need for this to be fixed. I need to be able to rent an apartment under my name so I am asking to please fix this error that has been a pain for the last 4 YEARS.
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NC)

Enhanced Recovery Company is currently reporting a collection to XXXX  and XXXX  regarding a XXXX debt. I have never had an account with XXXX and this is a result of identity theft. I have tried to resolve this issue 3 times with the credit bureaus directly, in addition to submitted a copy of an FTC police report to Enhanced Recovery Company demonstrating that this does not belong to me, yet they continue to report this false debt which is affecting my credit.
Consumer complaint received 2020-12-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC (GA)

I have a very small amount owed due to an overlooked bill for an ER visit in 2018. The balance was turned over to Ability Recovery unfortunately and I immediately responded in 2018 and changed my payments to go to directly to them ( Ability ). I send them something monthly but they will not stop calling me. I make a payment. I am down to only around {$60.00} and I'm set up to pay them {$10.00} a mth. I do not understand why they do the automatic aka rebo calling to my phone almost daily. I need it to stop. I always pay my debts. Always.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I was a with CREDIT ACCEPTANCE CORPORATION customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XX/XX/XXXX and XXXX XXXX. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2020-12-10
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. (FL)

On XX/XX/17 I received a loan with a finance company XXXX  XXXX, my loan amount and length of agreement were {$410.00} for 35 months. On XX/XX/XXXX my account was closed and paid in full, then I began to receive calls from a company I never hear of, this company was charging me a monthly fee on this loan that was already paid for, they also took possession of my vehicle and sold it at auction way below the price. I have bank statements, copy of my report stating it was payed, I have also made wire payments because they refuse to take bank or credit card payments. Please help this company is ruining my credit with false collections, its inaccurate information, they wont provide me with any informed, paperwork. According to this company they bought my account and didnt now it was paid
Consumer complaint received 2021-10-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2020-12-10
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. (NY)

Your response was unsatisfactory and goes against my rights under the Fair Credit reporting act. I am disputing my own information on my credit report and I have attached the necessary documents to confirm my identity. Stop the the XXXX. I am fed up! There are fraudulent accounts reporting on my credit report. I have submitted a complaint with the Federal Trade Commission. The report is attached. Under section 605 of the Fair credit reporting act, these accounts need to be removed with 4 business days of your reciept of my dispute.
Consumer complaint received 2021-08-20
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. (MA)

I have attempted to dispute what Experian is reporting regarding my credit history. It seems they are reporting conflicting information between summaries and my actual credit report. Also there was a significant drop in my credit score but the reporting doesn't indicate why. Experian does not have a way on it's website to either inquire or dispute an issue of this kind. Although the site 's FAQ says you can add a statement, there is no way to access a way to add the statement. When trying to call Experian to discuss the issue you have to wait an endless amount of time to reach service support. It seems the user experience was designed to avoid consumers from managing damaging information published by Experian. I have submitted a prior complaint but Experian did not address complaint by saying they could access my information? CFPB closed the complaint. Why?
Consumer complaint received 2020-12-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (MD)

Today I submitted an application to open a business account with NFCU. My business is XXXX at XXXX whereas we offer XXXX  XXXX  XXXX  particularly for XXXX-XXXX  for a fee. The XXXX  code is XXXX for consulting. The NFCU representative ( XXXX ) told me that is considered " financial '' and therefore, the account could not be opened. I asked why? Since I do not perform any financial transactions on behalf of any business. Reviewing a company 's operations and giving advice ( that may or may not be implemented ) does not constitute a financial business. I asked him what the appeal process is and he stated " there is none '' and that his decision is final. Consulting is not financial otherwise there would not be separate XXXX  codes differentiating the two. XXXX clearly needs training.
Consumer complaint received 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I was behind on my mortgage and was approved for a forbearance. but i was told that my negotiator would call me or my authorized hud counselor. i reached out to XXXX XXXX and so did the hud office helping and she has not responded. i was told i could make my mortgage payment in XXXX but how can that be if i have a foreclosure sale XX/XX/21 please help
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX, I placed a security freeze through all 3 credit reporting agencies. On XX/XX/XXXX, I attempted to permanently remove the security freeze, as I was attempting to apply for a mortgage. On XX/XX/XXXX, I requested my credit run by XXXX XXXX XXXX ; however, they indicated that my credit was still frozen. I called back the credit agencies ( XXXX and Equifax ), and was informed that my credit was not frozen. I could not get in contact with anyone at XXXX ; however, received a digital confirmation that they received my request to have my credit unfrozen. On XX/XX/XXXX, I requested XXXX to re-run my credit ; however, was still informed it was frozen, despite assurances to the contrary from each agency. I called the 2 agencies noted above, and again was told it was not frozen. I was unable to get any information from XXXX, as their website indicated that my credit was not frozen, and I could not request to unfreeze my credit. 

On XX/XX/XXXX, I requested that XXXX XXXX run my credit, and again was told that all 3 agencies indicated that my credit was still frozen. I will be writing a certified letter this evening, to be mailed tomorrow to each agency, again requesting it to be unfrozen.
Consumer complaint received 2021-04-09
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. (IN)

Six months ago, I noticed XXXX XXXX on my credit report and knew I had never done business with them. I did do business with XXXX XXXX who was acquired by XXXX XXXX and the loan that I had with XXXX XXXX I had a perfect payment record and was closed and paid off in XXXX of 2014, which is also reflected on my credit report. I called XXXX XXXX and was told the loan was too old and they could not access any information on it.
Consumer complaint received 2020-08-03
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: Experian Information Solutions Inc. (CA)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$13000.00} XXXX XXXX {$440.00} XXXX   XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$440.00} XXXX   XXXX {$310.00} XXXX {$1300.00} XXXX XXXX {$130.00} XXXX XXXX {$470.00}
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

REFERENCE MY COMPLAINT NUMBER XXXX : 1. EXPERIAN DID NOT REPLY TO MY SPECIFIC COMPLAINT AT ALL!!!!! Instead, they replied with a form letter, something they probably send to everyone who makes a complaint about hard inquiries on their credit reports. This is completely unacceptable. 

2. Experian 's form letter does not address my specific complaint, which is that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX did NOT have a permissible purpose to check our credit because if Experian had warned me that I needed to wait a couple hours between the time I used its automated system to unfreeze my credit report and when it would be safe for XXXX to check my credit, these three companies would never have checked our credit reports. It is Experian 's failure to do its job - the simple task of giving me complete and truthful information - that allowed these three companies to check our credit. Again, this was NOT A PERMISSIBLE PURPOSE to check our credit.
Consumer complaint received 2023-04-06
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. (IL)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , IL XXXX ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} ; XXXX  XX/XX/XXXX.
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (AZ)

I sent a certified letter on XX/XX/20 tracking number # XXXX recd at agency on XX/XX/20 to the collection agency asking to send : dunning letter with signed proof of receipt., signed contract that I engaged with any service with this company. The company only provided statements again, not proof of any services contracted with the company. They have failed to provide this information that is supposed to be furnished under the Fair Debt Collections Practices act. When nothing was received by the merchant I sent a copy of the letter to the credit reporting agencies with tracking on XX/XX/1920 whom only reached out to the agency and they verified it as accurate when nothing listed above has been provided to me.
Consumer complaint received 2024-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MA)

I purchased an item and paid for the item through Cash App. The item purchased turned out to be a fake. I reached out to the vender who then ignored my responses. I filed a police report. I then reached out to Cash App to have them reverse the payment but instead was told there was nothing they could do but request the funds back. This is a terrible response to someone who has been scammed. I lost {$220.00} because Cash App continues to allow its users to use its services to continue illegal behavior. The web receipt on the Cash App provides this identifier : XXXX XXXXXXXX
Consumer complaint received 2020-11-17
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)

Re : Fraudulent Inquiry of XXXXXX/XX/XXXX on XX/XX/2020 via Trans Union LLC.. 

During the last few months I have noticed things on my credit file that DO NOT BELONG TO ME I have been experiencing a significant amount of Fraud and Theft of my identity., The latest discovery is that of XX/XX/XXXX on XX/XX/2020 This Inquiry does not belong to me, neither did I give permission verbally, electronically or over the phone.. In Accordance with section 604 of the FCRA. under Permissible Purpose of Consumer Reports none of them apply to me in reference to the above herein depicted Inquiry., My Attorney of record has advised me to send an Affidavit of Fraudulent Inquiry first before instituting legal action for FCRA Violations.,