davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

on XX/XX/year>, I took and ACH PAYMENT for {$9900.00}, to have a security hold put on my account which I figured it was normal for the protocol on to have my ACCOUNTDEACTIVATED TODAY by email saying THAT BECAUSE OFTHE TYPE OF TRANSACTION WE WILL NOT BE ABLE TOSUPPORT YOUR BUSINESS, AND YOU CAN NOT GETYOUR MONEY BACK FOR 90 DAYS! I am out of business before it started. My client is upset to no end, from the reviews I see people are writing the DEPT OF FINANCIALPROTECTION CALIFORNIA. PLEASE HELP ME GET MYCUSTOMERS MONEY BACK I am a XXXX XXXX retired, and I looked at the reviews I am not the only person with this issue how can they still be allowed to do business
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc. (TN)

XX/XX/year>, I saw a hard inquiry from Prosper that I didn't authorize. 

XX/XX/year>, I see a derogatory from a company called " XXXX XXXX XXXX '' I have no idea who or what this company is but I reached out immediately. It says that it opened on XX/XX/year> when I looked at my credit report. They company never reached back out after attempting to messaging them on their website.
Consumer complaint received 2020-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (FL)

I received a credit monitoring alert via XXXX XXXX regarding a Collection Account that was placed on my credit reports by SEQUIUM ASSET SOLUTIONS. I immediately researched this name and contacted the company by phone. They told me that this was placed with them for collection by XXXX XXXX for a XXXX   XXXX bill. Their representative told me that they've had the account placed with them since XX/XX/2019 and that the address on the account was someplace in New York. She also said it looked like a pretty obvious case of identity theft. 

She gave me a URL to follow in order to file an identity theft claim with XXXX XXXX. When I reviewed the materials after hanging up I discovered that they want me to prepare a notarized statement and file a police report with my local police department. I am not going to do this. These requirements are onerous, punitive and frankly ridiculous. Local law enforcement has no jurisdiction over, nor interest in an act of consumer fraud committed in New York. Their resources should not be diverted away from protecting the local community just so the idiots at XXXX and Sequium can have a piece of paper to cover their mistakes. 

I am a victim of XXXX XXXX poor account verification procedures and of Sequium 's  violation of the Fair Debt Collection Practices Act. Both parties should be severely penalized for what I consider to be gross corporate misconduct. 

I have resided at the same address in South Florida for 25 years. If XXXX XXXX ( whoever THEY are ) performed even the most cursory review before opening this account, they would have known that this wasn't me. Had Sequium Asset Solutions done the same upon receiving the account they would also have known immediately that this is not my debt. They did NOT contact me to verify the debt as required by law. I contacted them when I learned about the reporting. Instead, they maliciously reported negative information causing severe damage to my financial standing via a XXXX point drop in my credit score. In 60 years I have never had a single late payment, much less a default, so I do not take this lightly. 



Thank You.
Consumer complaint received 2024-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

In XX/XX/year>, I notified Toyota/Lexys Financial that I was disputing the contract via certified mail. No payment was or collection could be perform during this dispute. They have not responded as of this date. They violated the holder in due course rule and I am owed damages. I attempted to inquire as to their arbitration policy and they still have not responded. They further reported on my consumer credit report as late 60 days when the dispute legally stops all collection during the validation period.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (VA)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA, XXXX XX/XX/2023 I am writing to formally dispute the accuracy and completeness of certain accounts that are currently being reported on my 3B credit report. The accounts in question, along with their respective account numbers, are as follows : CREDENCE RM ACCOUNT # XXXX ( In Collection Status ) I believe that the information being reported on these accounts is in violation of the Fair Credit Reporting Act ( FCRA ) and the ( FDCPA ) specifically 15 USC 1692g due to its incompleteness and inaccuracy.the discrepancies I am disputing include incorrect balance amounts, payment history inaccuracies, and a lack of proper validation of the debts. Under the FCRA, it is essential that the information on my credit report is both accurate and complete. The inaccuracies and omissions regarding these accounts are detrimental to my creditworthiness and financial standing. As such, I am formally requesting that CREDENCE RM rectify these issues by removing the disputed accounts from my credit report immediately.I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees.

2. Verification that you are licensed to collect debts in my state.

3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt.

4. A complete payment history, detailing all payments made and any credits applied to the account.

5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt.

Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter. 

Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX and XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Child support should not be listed on my credit report. I tried fixing the problem multiple times to be removed off ny credit report and it still has not worked. can I please get assistance ion removing the child support iff nt credit report from XXXX XXXX Ca and XXXX  Ca. 

Account XXXX
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (FL)

I previously filed complaint number XXXX against Shellpoint mortgage but more events have occurred and incomplete information was provided in response by Shellpoint so I am filing a new complaint as I dont have an option to reply on the old one. I did not receive the solicitation letter they state they sent on XX/XX/XXXX. I did however, submit a loss mitigation application on XX/XX/XXXX via their online portal completing all forms they provided online. I received a confirmation letter dated XX/XX/XXXX ( attached to this complaint ) acknowledging receipt of my request and advising a SPOC would be contacting me ( which has not occurred ). I spoke to a Shellpoint representative via a recorded line ( per Shellpoints alert on the call ) on XX/XX/XXXX asking why my loan wasnt on hold and seeking confirmation they received my online application ( which was confirmed as received ). He advised me someone would call me within 10 business days to discuss my options, which has not happened. He also advised that due to the high volume of people who falsely use loss mitigation to delay foreclosure cases my file would not be placed on hold. He advised that Shellpoint would proceed with the foreclosure action despite any loss mitigation attempts and would only place the file on hold after ALL trial plan payments have been made. As my father passed away from XXXX, and the house only ended up in foreclosure due to my father not having a will and I did not sign the note or mortgage and encountered unfortunate threats and delays from my sister as she dishonored my dads verbal wishes in the probate case, my hope is to qualify to defer those missed payments and begin making the regularly scheduled payments on XXXX, this would not qualify me for trial plan payments as Shellpoint continues to proceed with the foreclosure disregarding my attempts to save my house. The phone call I had with Shellpoint made it very clear that they will proceed with the foreclosure no matter what because of other shady people not being honest in their attempts at loss mitigation. This is an honest attempt to save my deceased fathers house from foreclosure. I asked if my application could be escalated for review and was advised that its not urgent as their are people in more urgent situations with sales scheduled and they take priority over my case
Consumer complaint received 2022-12-26
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. (NC)

I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MI)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I sent a dispute to Experian via certified mail on XX/XX/XXXX with proof of identity and address and asked them to remove all incorrect information from my credit report. They sent an email today saying the dispute was completed but the only thing they corrected was my phone number. They also did not remove name that was incorrect. They did not remove any of the incorrect addresses. I also asked them to remove an inquiry from XXXX XXXX XXXX from XX/XX/XXXX that I did not authorize and they did not remove this either or send verification. 

I have a home address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and a business address of XXXX XXXX XXXX XXXX TX XXXX. There should be no other addresses on my credit report.
Consumer complaint received 2024-09-13
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. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no clue how they got there. I do regular checks, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, thinking it might just be a glitch, but they didnt go away. Im asking that the documents Ive submitted be reviewed carefully so I dont have to deal with this kind of issue ever again.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

The numerous of credit inquires that are on my credit Report are inaccurate and fraudulent I did not give consent neither do I have knowledge of these inquires 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
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Acount Number : XXXX XXXX / XXXX XXXX Equifax XXXX XXXX Acount Number : XXXX XXXX XXXX XXXX Acount Number : XXXX XXXX / XXXX / Equifax
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (GA)

Regarding the account Fortiva-XXXX XXXX XXXX XXXX XXXXXXXX on my XXXX Credit Report : XXXX received a complaint from the CFPB regarding an account on my credit report, and XXXX opened a dispute XXXX I was notified of the dispute results, which showed that the account was delinquent. Before the complaint, the account was not reported as delinquent. 

Also, my rights have been violated. Per FCRA Failing to list a disputed debt as disputed is an FCRA VIOLATION. Once you dispute a debt to a credit reporting agency, they must report that debt as disputed on your credit file and in your credit reports. Also, suppose you dispute a debt to one of the three major credit reporting agencies ( XXXX, XXXX, or XXXX ). In that case, that particular agency must notify the other two bureaus that you dispute the debt. Failing to list the account as disputed, after a valid dispute has been sent to the XXXXredit reporting agency, is a violation of the FCRA.
Consumer complaint received 2024-11-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (PA)

THE THREE CREDIT BUREAUS ARE REPORTING A DEBT THAT DOES NOT BELONG TO ME. I AM THE VICTIM OF IDENTITY THEFT FOR WHICH I FILED WITH THE FBI ( XXXX ), FTC, IRS, SOCIAL SECURITY ADMINISTRATION AND THE PENNSYLVANIA ATTORNEY GENERALS OFFICE. THIS IS NOT MY DEBT AND I HAVE TRIED CONTACTING THE THREE CREDIT BUREAUS REGARDING THIS ISSUE INCLUDING GIVING THEM MY INFORMATION REGARDING THE IDENTITY THEFT.
Consumer complaint received 2020-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC (NY)

I got an alert back in XX/XX/2019 from the credit bureaus saying that I had a collection added to my file? So I checked my report to find that a company name CKS Financial, put a collection on my account. No one from this company has ever contacted me before, no letters, no phone calls, nothing. ( So how are that putting information on your credit reports?? which is a clear violation of FCRA ). So I wrote them a letter from the information on my report, disputing this collection and asked for validation of this account with my signature because I have never open an account with XXXX XXXX XXXX XXXX XXXX visa or them. Now 4 months later and the account was never validated or no proof of ownership was supplied. All they do is send generic letter stating investigation was done and result show as listed on the account is correct? But were is the proof?? This is another clear violation of the FCRA. 
I have been a victim of identity theft two times before, and had to fight to get all of the incorrect information off my reports. What someone did then was use a similar addresses to mine and the account in question is under one of those addresses. So I wrote CKS again all certified mail, telling them that the address they have for me is incorrect, also that I am a victim of identity theft and asked them for validation / send proof of ownership with my signature and still NOTHING!! This debt/ collection does NOT belong to me and need to be removed from my credit file with the credit bureaus ASAP. CKS needs to also send me a letter stating that they are CEASING all collection activities along with removing the collection off my credit report. This company CKS Financial is blatantly violating federal law and must be stopped!!
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX, My Social Security Number is : XXXX, The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove old numbers and address! 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.