davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00}
Consumer complaint received 2020-07-08
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: EQUIFAX, INC. (GA)

I HAVE NO IDEA HOW THIS ACCOUNT GOT ON MY CREDIT. SOMEONE IS USING MY IDENTITY. THE CREDTI BUREUAS ARE FURTHER VICTIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS. I HAVE NO IDEA WHERE THESE INQUIRIES COME FROM. THEY ARE NOT MINE AND SHOULD NOT BE ON M Y CREDIT.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$590.00}
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2021-12-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

I wish to complain about the charges brought up by XXXX XXXX XXXX ( ambulance transport service, Creditor Account Number xx-xxxxxx ) which happened 9 years ago. And on XX/XX/XXXX, I received a letter in the mail dated XX/XX/XXXX, from which WAKEFIELD & ASSOCIATES, is asking me to pay {$3000.00} in behalf of XXXX XXXX XXXX that had accrued interest of 7.00 % from the service date XX/XX/XXXX. 
When I read that letter, I contacted one of your representatives ( WAKEFIELD LAKE & ASSOCIATE REPRESENTATIVE ) and he gave his name as XXXX XXXX no last name ). As I spoke to him on the phone, I informed him ( XXXX ) that the amount they ( XXXX XXXX  XXXX ) gave me thru WAKEFIELD & ASSOCIATES are unfair. XXXX and XXXX are my insurance providers and based on the reviews I read about XXXX XXXX  XXXX, most patients ' complaints are about billing ( not billing the insurance providers ). 
I am permanently XXXXXXXX due to the XXXX  XXXX I acquired in the year XXXX. And I'm fully aware that before I was released by the hospital, which I was confined and rehabbed for almost 7 months, that the hospital and other services provided were cleared by XXXX and XXXX that year XXXX. So, me and my spouse know that we are clear of any financial obligations regarding my hospitalization. 
Finally, as XXXX ( WAKEFIELD & ASSOCIATES REPRESENTATIVE ) suggested, write them a letter with the reference number XXXX. I am a permanently XXXX person, my medical doctor advised me not to work because I can not handle any XXXX XXXX XXXX XXXX  and as of this date I'm just relying on my family 's support. And the letter that I received from WAKEFIELD & ASSOCIATES puts a lot on me, both XXXX XXXX XXXX XXXXPlease HELP ME and kindly intervene in my behalf, so this people/ collection company that represent the interst of their client company will stop any future harrasments of some sort bec. my mind and body can not tolerate such pressures both XXXX XXXX XXXX..thank youXXXX
Consumer complaint received 2021-08-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC (WA)

I received my first letter from Aldous & Associates P.L.L.C on XX/XX/2021. 

I responded with a validation letter on XX/XX/2021 via US mail certified mail with a return receipt. Asking for Validation of debt and also asking for them to only contact me only in writing. In my letter, I specifically asked for communication in writing. See below ( 1 ). Also, in the letter, I asked for Validation which they never sent me. See below ( 2 ). I sent a second letter on XX/XX/2021 via US mail certified mail with a return receipt verifying I have never received the valdiation and again asking for communication only by mail. Yet, I still am receiving phone calls from Aldous. 

As of XX/XX/2021, Aldous has called my phone 2 -3 times a week. I know this because I have a recording of every phone call via my answering machine. I have had between 10 - 20 phone calls after asking them not to contact me by phone.

( 1 ) " In writing, I would also like to request that your offices make no telephone contact to my home or my place of employment. However, suppose your offices attempt telephone communication with me, including but not limited to computer-generated calls or correspondence sent to any third parties. In that case, it will be considered harassment, and I will have no choice but to file suit. Therefore, all future communications with me MUST be done in writing and sent to the address noted in this letter. '' ( 2 ) '' As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XX/XX/2021. 
Since you have failed to respond, I assume that you have been unable to validate the debt, and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests. '' As of XX/XX/2021, Aldous has ignored my request to communicate by writing and has harassed me by phone on multiple occasions after asking in a received letter twice. Aldous also as of XX/XX/2021 has not validated my debt per my request.
Consumer complaint received 2022-07-25
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
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. (LA)

THE BALANCE ON MY XX/XX/XXXX/XXXX VISA ACCOUNT IS INCORRECT. PLEASE UPDATE WITH CORRECT INFORMATION.
Consumer complaint received 2021-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (AZ)

I received a notice from ACI, American Coradius International LLC, regarding a debt that I do not owe. The bill from this company is not even in my name. Someone named " XXXX XXXX. '' My name is XXXX XXXX XXXX. 

I sent a request to this company for proof that this is my debt, who the original debt owner was, the account number, amount, date of last payment, when the account was opened, closed, and sent to collections. I received no response from ACI. 

I want this company to stop contacting me about a debt that is not mine. They are required to provide proof this is my debt, they did not follow the law and do this.
Consumer complaint received 2024-11-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: TRUIST FINANCIAL CORPORATION (VA)

XX/XX/year>- I received a pre-approval for new home construction XX/XX/year> - The terms of the loan would have a contingency with the sale current residence. This was removed and replaced with the deposit being made with the complete liquidation of my XXXX account. I called and spoke with the lender and immediately informed them the terms were inaccurate. The describe it as a " place holder '' and increased the loan amount by XXXX than expected. 
XXXX XXXX Notified the builder of my concerns regarding the lot. 
XXXX Notified both the builder and the mortgage company of my concerns regarding the lot and the terms of the loan. 
XXXX - XXXX Informed the mortgage company and builder that I had been steered to a very undesirable lot by being told the previous lots I selected were not big enough for the model or the lots were sold when I returned with deposit. This occurred on more than 4 lot selections. I informed the salesperson on more than 3 occasion my preference for symmetry for t selection. At the time of the selection there was only dirt and no visible sign that would indicate the driveway for the house to the right of the lot would run across the front yard. And the driveway for the house would surround the house with pavement thus looking like a parking lot directly in front of the house. 

I deposited XXXX XXXX and have attempted to communicate with both the builder and the mortgage company to resolve the issue and gotten NO response.

I live by the airport and signed a disclosure regarding the volume and frequency of the noise. If the lot had such a significant nuance, should I have been fully informed, see attached picture. In addition to the fact that the lot carried a XXXX XXXX premium.
Consumer complaint received 2022-07-25
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

Lastly, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once.
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (OH)

Company reporting to credit reporting companies This account isnt mine. There not able to provide proof of ownership. None of there information is correct. 
XXXX XXXX XXXX is reporting a account charge off. Ive never had a XXXX XXXX XXXX card This account appears been opened online none of information matches mine
Consumer complaint received 2021-01-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

Good Afternoon, I am respectfully requesting your assistance to recover funds from TransferWise of XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. 

I hold 2 accounts with them a business account and a personal account. 

1. On XXXX XX/XX/2021 I received an email from TransferWise support advising me that an incoming wire for US {$63000.00} was on hold pending additional documentation being sent. I complied immediately and sent the requested documentation. 
2. On XXXX XX/XX/2021 TransferWise support contacted me again requesting invoices for 2 incoming wires for XXXX XXXX XXXX  and XXXX XXXX XXXX. Again, I complied immediately and sent the requested documentation. These wires were returned to my XXXX. 
3. On the XXXX XX/XX/2021 support contacted yet again advising me that my accounts had been suspended. No notice period was given nor any reasons for their actions. 
4. TransferWise support then advised me that returning my account balances could take up to 90 days due to your compliance procedures. 
5. The balances suspended are US {$780000.00} in my business account and US {$2400.00} in my personal account. 

I am extremely frustrated by the fact that you suspended my accounts with zero  warning, which I consider to be totally unprofessional and extremely unethical. 

Most of the funds in my business account were earmarked for my XXXX  and now I find myself in a position whereby I can not fulfill my financial obligations in a timely manner thus affecting my credibility and good standing. 

I have since complained and appealed for a refund and received the below email on XX/XX/2021. 

Hello XXXX XXXX, Weve decided to keep your TransferWise account closed. 

Because you still have money in your TransferWise balances, we'll work on sending it back to your bank account. But first, we need to carry out due diligence checks. While we do that, your money and information will be safe and secure. 

This can take up to 60 working days. Please get in touch with us after that time so we could give you an update about the money held in your balances. We wont be able to provide any info on this in the meantime. 

Unfortunately, we cant tell you the specific reason why weve closed your account its because of how were regulated. But you can read our Terms of Use, where we explain how were allowed to close accounts. 

Thanks, The TransferWise Team I have a full set of emails from TransferWise should you require these. 

I have grave concerns about the way this organisation is conducting their business activities and how they can treat consumers in this way. 

I really do need your assistance with this matter. 

XXXX, XXXX
Consumer complaint received 2024-12-11
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (WA)

The business that Harris & Harris are collecting for - XXXX XXXX - would not let me normally cancel services and my account when I no longer wanted services in XXXX of XXXX. The local locations closed and call centers did not respond. I repeatedly asked to cancel services and attempted several times to cancel services before being told that my account was pending multiple times. I waited several months and this debt was sold to collections. Since Harris and Harris has had this account- they have reported inaccurate timeframes and updated the balance randomly refused to give me any information, refused any negotiation, threatened me by telling me that I have verified this debt and now I could be held legally responsible, and generally harassed me with multiple phone calls a day on some occasions. They reached out to my sister at one point. Eventually to end the harassment I paid this debt on an online portal for a negotiated settlement amount and they refuse to report this account as settled and still report a balance owed even though it isnt possible for me to pay anything through this online portal. They refused any attempt by me to receive physical mail communications or payment.
Consumer complaint received 2022-08-15
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

My issue is with my XXXX XXXX credit card through Barclay 's Bank. About 5 years ago I was on an XXXX XXXX flight and applied for this card because the XXXX attendant who was promoting it during flight assured me repeatedly that the XXXX miles I would be credited with upon obtaining and using the card would never expire. I continued to pay the $ XXXX annual fee for the card for years ( but not otherwise using it ) solely to preserve my mileage until I discovered my XXXX miles in my mileage plan had been deleted. I contacted both the airlines and Barclay 's and was told the miles had in fact expired - that I was given incorrect information. I contacted Barclay 's phone center on XX/XX/XXXX and spoke with " XXXX, '' explaining the issue, stating I wanted to close my account, and asking that it be closed retroactively to XX/XX/XXXX. The only balance on my account was {$99.00}, the annual fee, and it was now showing up as delinquent since it was due by the end of XXXX XXXX assured me this would be done and that I would receive an email confirmation within 24 hours. On XX/XX/XXXX ( today ) I emailed Barclay 's because I had not received any confirmation and in checking my online account, while closed, showed a delinquent balance of {$99.00}. Twice I emailed asking them to correct this and twice I received a boiler plate response about the closure.