davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

I received a notification from a my credit monitoring service that a collection from Sequium Asset Solution has a collection for {$1200.00} for a collection that says that I owe a debt. On XX/XX/XXXX I called the company to asked why they reported this debt and never contacted me about this debt as report XX/XX/XXXX. I have never received a phone call nor written information for me to dispute this debt. This is not my debt I have been with my current cellphone company for 9 years and this debt is not mine and I have called to company to let them know I haven't received anything in written nor by phone of this debt and they put it on my credit report. I called this company any they have a XXXX Florida address where I have never I told them someone has committed fraud and they need to take that account off my credit report because that address I have never lived in that part of Florida ever. The reference number # XXXX and with an account number XXXX I have called twice to give this company my address to send correspondence I spoken to a XXXX XXXX to send and he hung up the phone.
Consumer complaint received 2021-01-20
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. (UT)

I have discovered that I have a couple of accounts that I would like to immediately dispute. I believe that I may be a victim of identity theft. The accounts that are on my credit report do not belong to me. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Also, I requesting to investigate these accounts. I believe that someone uses my identity or it could also be possible someone mixing up these accounts.
Consumer complaint received 2022-09-21
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. (MD)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX, [ mi ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/2004 ] [ XXXX XXXX XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It MaXXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ I spoken to so many people about this please help remove incorrect information ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely,
Consumer complaint received 2022-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (FL)

Signed up for aligners with XXXX XXXX XXXX, after one month my dentist advised my to cancel and return them due to dental procedure that needed to be done. I paid {$320.00} and cancelled my order. XXXX XXXX XXXX  stated once the aligners are received in there warehouse order would be completely cancelled. Later, I receive bill from AMERASSIST AR SOLUTIONS on behalf this account that was cancelled. I contacted XXXX XXXX XXXX informing them of the situation and they request my tracking number of the package they thought wasnt received and found it. they prompted AMERASSIST that the account is current and not owed. AMERASSIST til this day harasses me for payment of something they have a canceled order for. 

-This company has violated my rights from even try to even settle this account that is actually canceled and they refused to. 
-Threaten to seize property from me.

-I spoke to an employee and they said send the receipt to operations and they'll cancel it. the employee sheena ( I wont put her full name ) disregards the canceled order and is still ordering me to pay.

-I requested this company to verify the debt they dont want to.

-I requested the company stop contacting me they disregard.
Consumer complaint received 2021-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (TN)

On XX/XX/2021 I sent a debt validation letter to fox collections center requesting them to verify that the debt they have to reported on my credit is mine in the amount of {$6600.00} and they did not verify that the debt was mine. I sent another letter on XX/XX/2021, today is XX/XX/2021 and I did not receive a response at all from their company within 30 days. Both letters were sent certified the 1st one was received by their company on XX/XX/2021 and the second one was received on XX/XX/2021 by their company.
Consumer complaint received 2022-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2022 I call my credit card company ( Capital One ) about my XXXX XXXX XXXX  card not reporting on my credit file to XXXX. They told me that they were reporting and that it was XXXX fault that they were inputting it on my credit file. So I contacted XXXX they XXXX and investigation and they couldnt find the account on my file. XXXX told me that they cant report information that they didnt receive. I contacted Capital One back on XX/XX/2022. They started an investigation. I was asked to wait a few days and then to call back to get the results. I called back on XX/XX/2022 and was told that they had sent the bureaus a letter stating to delete the account from my credit file. I couldnt believe what I was hearing. So I asked why was that letter sent and the customer service agent couldnt answer my question. By now Im upset because Ive realized that this one card has been reporting to XXXX for years of me having this card and after I bring it to their attention ; they end up sending all of the credit bureaus the wrong letter. I actually had to dispute it on XXXX and it wasnt removed from my credit file, but I wasnt able to catch it before it was removed from XXXX. Ive called them more times than I mentioned but they didnt do an investigation everytime I called so they did not provide a report letter. The other times they did. So as of today XX/XX/2022 XXXX still trying to get this company to report my credit card on my credit file. This is pertaining to my Capital One XXXX XXXX card.
Consumer complaint received 2022-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I had gone to the bank on XX/XX/XXXX to check my balance and they notified me I had very little money on my account, they looked into it and they gave access to someone who had called the customer service with all my personal information to online banking, they ordered a new debit card, they changed my address, phone # and increased the limit of withdrawals per day. The bank did not protect me at all, it has passed 2 months and they dont return my calls. The amount they took out of my checking account was {$15000.00} on the month of XX/XX/XXXX. I am an XXXX  person XXXX XXXX XXXX and i feel that the bank didnt protect my account or alerted me. I never use my debit card and they released it so easily. They keep on telling me that I must of given someone all my personal information and thats why they had accessed my bank. I dont give any personal information to anyone not even my kids or grandkids. The person in Fraud dept knows for sure this is fraud and someone tried to have access to the account because she spoke to them 10 before me getting to the bank to check on my case. I dont understand why are they not returning my money, its not my fault the customer service fail to to their job in protecting my account.
Consumer complaint received 2022-07-01
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. (MD)

n accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX # 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 an account without my written instructions. 

15 U.S.C 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 2021-01-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC. (GA)

Around the date of XX/XX/2020, I submitted a FTC identity theft report to remove fraudulent items off of my consumer report. 

When the credit bureaus corrected the necessary information, in XX/XX/2020, a company named Caine and Weiner somehow found my location information and communicated by post card to address me of an alleged debt. 

Caine & Weiner committed identity theft by obtaining my personal information that I did not directly provide to them or give them any consent to contact me. 

In the letter, they violated the The Fair Debt Collection Practices Act by using false, deceptive, or misleading representation or means in connection with the collection of any debt. They also used profane language amongst other violations that are listed below. 

Actions that were taken by me to the company was that I sent certified mail in the form of an affidavit of me notifying them that they are a debt collector according to the FDCPA ; that I'm a consumer and that they violated my privacy as well as communicated that they have violated multiple federal law codes.
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 — Account information incorrect
Company: EQUIFAX, INC. (WI)

On XX/XX/2022 I was in a car accident that wasnt my fault. I immediately contacted XXXX XXXX XXXX the next day and told them what happened. Me and the insurance reached out to XXXX about the accident. During the process XXXX repeatedly told me to not make a payment on the account because the car was going to be deemed a total loss. Fast forward nearly two months Im hit with a late payment mark to my credit accounts. Ive been building my credit for a year and a half now. I had a XXXX credit score and never missed a payment on anything before this incident with XXXX. My score went down XXXX point despite faxing and emailing countless paper work and documents to XXXX proving that the car was deemed a total loss by XXXX insurance nearly a month before XXXX false missed payment claim. Ive never missed a payment with XXXX ever. XXXX and I have evidence of XXXX cashing the total loss check and not updated my account information to closed despite receiving countless documents to close the account. XXXX recently close the account last week as of XX/XX/2022 but are reporting they closed the account as of XXXX, 2022. They are falsely reporting information to the credit bureaus. Ive been stressed out trying to both email and fax them the documents they were claiming they didnt received through all of XXXX and even early XXXX. I just want the credit mark to be taken off my account. Its not fair that Im being penalized for a late payment when XXXX associates told me not make a payment on the account because the car was going to be deemed a total loss. I have countless paper work and documents proving the car was issued a total loss by XXXX insurance a month prior to their false late payment claim. This has been one the most stressful process of my life.
Consumer complaint received 2023-06-23
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. (KY)

USDA rural housing development home loan mortgage was paid off XXXX of XXXX. Account number XXXX. USDA cashed the check in XXXX of XXXX for {$120000.00}. I never received signed payoff title. I worked with a title agency. 
For property located at : XXXXXXXX XXXX XXXX XXXXXXXX KY XXXX. 
Our File No. XXXX contact person is : XXXX XXXX  XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I received a check for over {$20000.00} and realtors were paid. The payoff was provided by the USDA. For the last 2 years and 10 months, I have contacted the company. The company continues to report to all 3 credit bureaus that a house payment has not been made since XXXX of XXXX, ruining my ability to buy another home for my family of XXXX. I am also unable to rent an apartment due to my credit score. My husband and XXXX XXXX  children have been " homeless '' for almost 3 years due to the company incompetency. In XXXX of XXXX, the company reported additional charges for " foreclosure '' fees over $ XXXX on all 3 credit bureaus. I have disputed with every credit bureau each time. It'll fall off my credit report then only to reappear again. 
I've spoken with XXXX, XXXX XXXX and XXXX in the foreclosure department, each informed me that this is their mistake, and the letter will be mailed, and everything will be ok. The USDA failed to apply the payment to my account due to COVID and " working from home '' until XX/XX/XXXX. That is how they calculated the " foreclosure fees '' based on paid off in XXXX and hence the reason the company states it is their error and not a valid charge. I have spent countless hours on the phone only to be told, it's taken care of, and I never receive the letter. I can not get anyone that can help me on the phone and have to wait for call backs from the foreclosure department. I've asked to speak to manager only to be called and told, the manager on the phone can't send me the letter but " XXXX XXXX '' will call me and can email or mail me the title payoff letter. I have never received a call or letter from XXXX XXXX. Then the phone call process starts over again. I have reached out to a real estate attorney, and they confirm, there has never been a lien or foreclosure against my previous home XXXX XXXX XXXX XXXX, KY XXXX. I have contacted the USDA, FRCA, XXXX, Experian, XXXX, XXXX, and the state attorney general ( s ) for Kentucky and Missouri to no resolution.
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (GA)

XX/XX/2021 To whom it may concern : I am writing in regard to my dispute of scam/fraud with TD Bank. On XX/XX/2021, my Personal checking account was hacked with several withdrawals being taken totaling in the amounts of {$2500.00}. I received a telephone call from a TD Bank representative and was told that my ATM ( Debit card ) was being used in a different state with suspicious charges and if this was me as the charges were in a different state. I told them that I was not making transitions. The TD bank person ( scammer ) then texted my phone and stated the amounts would go back into my account, however the name would be TD Bank Refund which would need my approval and I would have to state yes in which I did. During this time I was able to log into my TD bank account and realized the scammer created a XXXX account called XXXX and was withdrawing money from my personal checking account. I never approved withdrawals and realized this was a scam and immediately contacted TD Bank on XX/XX/2021 to report the fraud and scam. I was transferred to a TD Bank represented ( Fraud Department-XXXX  ). She in return requested that I close my PERSONAL checking and BUSINESS accounts as this was definitely fraud and a scam as there was no such account as XXXX XXXX XXXX. She provided me with a Claim number # XXXX and advise me to contact TD bank within 3-5 business days for the investigation results. I contact TD Bank on XX/XX/2021 for the status of the claim and was told that the claim was denied as I had approved the transition. I stated this was untrue, as I did not create a XXXX XXXX account and requested my money to be returned. I then asked the case to be reopened. TD bank Fraud representative then advised me to contact my local police department and file an incident report and to fax a copy of the police report to TD Bank with my new claim number Claim # XXXX. On XX/XX/2021, I filed a police ( Please see attached ) and faxed to TD Bank confirming the scam incident. The bank representative advise me to contact them within 3-5 days. However, on XX/XX/2021 TD Bank again denied my Fraud claim and will not refund my funds of XXXX. 

Please note, I have called the TD Fraud department, my local branch and was told my monies will not be refunded. I have exhausted all means to retrieving my money back into my account. I have banked with TD bank for over 15 years and have established a great rapport with excellent credit rating. Please assist me in this matter as the loss of XXXX has caused undue financial hardship, emotional stress on myself and family members in which I am the sole provider. 

I can be reached at XXXX  XXXX-XXXX  or by email XXXX. Thank you in advance. 

Sincerely,
Consumer complaint received 2020-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (TX)

I noticed charges for {$58.00} was deducted from my checking account I called Monterey Financials and told them thre was a misake and ask how they got my information. They told me I received the services of document preparation and they were the collegtion agency but could not tell me for what company. I put a stop payment and then XX/XX/2019 they started taking payments out of my account from XXXX, which is not filed with any XXXX. the contract should give you all the information you needs. 
XXXX XXXX XXXX XXXX XXXX, has never been registered under the Wyoming XXXX XXXX XXXX XXXX  XXXX XXXX, WY XXXX. I was support to get documents prepared through that company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. This is a bank specifically for XXXX XXXX XXXX and has nothing to do with Montery Credit, XXXX of XXXX XXXX XXXX XXXX XXXX. I am adding the promissory note and disclosures Payment I agree to make payment t " us ''. the entire document is a joke.
Consumer complaint received 2022-07-01
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. (KS)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX ADDRESSES : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX A XXXX  XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX KS XXXX ADDRESSES : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS : 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 XXXX XXXX TRANSUNION ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KANSAS XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX COLLECTIONS : 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