davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Sequium Asset Solutions, LLC (FL)

I received 12 calls, all times of the day and night, over a period of 3 days from Sequium Asset Solutions ( XXXX ) XXXX. The agent indicated she was a legal firm collecting a debt in the amount of {$340.00}. She requested my credit card number and said that if I did not provide it I could be arrested. When I asked what company was owed the {$340.00} debt the agent indicated it was 'confidential '. I responded that I did not have any debt and unless she could provide proof of to please stop calling me. The agent became aggressive and said that I could go to jail TODAY if I did not pay. I specifically asked if this was a SPAM call and if so to remove me from the call list. The agent responded that the call was not SPAM and that she was calling from a legal firm and repeated that if I did not provide my credit card I could be arrested. I said I felt I was being harassed and asked that she not call me again. After, I received 3 more calls. I have since blocked the number. The calls were very threatening and disturbing.
Consumer complaint received 2020-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Remex, Inc. (NJ)

On or about XX/XX/2020 I learned about an account that I don't recognize that is listed on my credit report ( s ) i then contacted the company that place the item for collection and now is currently reporting the derogatory and negative information on my XXXX, XXXX XXXX and XXXX  Credit Report ( s ). The company mentioned an address that I do not recognize and a different name however the account doesn't belong to me and wish to have this item removed from my credit report as it is not valid and is being reported as a result of misinformation, fraudulently as per the FCRA, FDCPA.
Consumer complaint received 2021-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

SPS select portfolio servicing loan is delaying my mortgage statement for three months and has billed me for late payment fees and I have never been late or missed a payment. This has given a hit on my credit report for providing falsifying information. My payments has been timely and never late for the 18 years and I will not be forced to sending monthly check payment.Today is XX/XX/2021 and I have not received any XXXX statement and I have already mailed the bill as noted and provided the check date.i am an federal employee and I do not need bad, lying reports on my credit history. With a complete investigation it will be determined that this servicing company is attempting to defraud its consumer by reporting falsifying information.
Consumer complaint received 2020-04-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (DE)

I have disputed this account multiple times with Wells Fargo, and they have continued to kick the can down the road, they respond with letters telling me they will respond, then they send me a letter demanding more information from me, when they are the ones furnishing said information. I've asked for your help before because I don't know where else to go, please help me, they are reporting incorrect information and stalling on responding. They have committed multiple violation of the FDCPA and FCRA, they still have not responded to my original dispute, they just keep stalling. I need help!
Consumer complaint received 2020-04-06
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: EQUIFAX, INC. (GA)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX  XXXX  XXXX XXXX {$440.00} COLLECTIONS XXXX {$4200.00} DEPTEDXXXX  XXXX {$1700.00}
Consumer complaint received 2022-06-03
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. (FL)

List of violations ; In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX  XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX XXXX {$240.00} XXXX XXXX {$2100.00}
Consumer complaint received 2020-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (MS)

Today I received a bill from Tate & Kirlin for a creditor that I have never heard of in my entire life saying I owe the amount of {$2800.00} suggesting that I pay them the sum of {$1400.00} as half or a settlement but how can I pay someone when I have never heard of these people who in the world is this company XXXX XXXX XXXX is beyond me. I have never received a bill an email a call nor a text message from this company in my entire life. How can I settle a bill when I have never received it in my entire life.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Are all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Privacy act 1974. XXXX XXXX two accounts are reported as charged off which are considered income and income is not legally reported to my credit report.
Consumer complaint received 2022-12-29
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 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 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

This is a fraudulent inquiry on my credit report XXXX XXXX XXXX | XXXX. 
I did not authorize this inquiry.
Consumer complaint received 2022-06-03
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. (FL)

In XXXX, I mailed a dispute to TransUnion LLC for XXXX XXXX reporting on my credit report and I received a letter dated XX/XX/XXXX stating that they will not honor the dispute to validate information being on my credit report. This was NOT A " FRIVOLUS '' dispute and I am entitled to dispute any inaccuracy on my credit report and feel that I am being discriminated against. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). TransUnion LLC has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. TransUnion LLC should resort to reasonable procedures to rectify this affair. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

My mortgage was transfer from XXXX to XXXX lake view with the rule of transferring mortgage with as it is without any changes. XXXX  lake view took the third party data and implemented escrow account without prior information.
Consumer complaint received 2020-04-06
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: TOYOTA MOTOR CREDIT CORPORATION (MO)

I am submitting a claim against the Toyota-Lexus Financial Service, a lease agreement originated from a dealership in XXXX XXXX, California. In XX/XX/XXXX, I have discovered a fraudulent discrepancy on my credit report while purchasing my automobile. I immediately filed a police report in my resident state of Nevada. However, in XX/XX/XXXX, I was notified by my Security Manger regarding my clearance due to a few discrepancies on my credit report. These discrepancies happened at the same time frame when my fraudulent case with Toyota-Lexus Financial Services. I  then called each creditors and requested the Debt verification and they were unable to provide any proof and then removed or taken care of. On XXXX XX/XX/XXXX, I contacted the collection agency ( XXXX ) and spoke to a supervisor, XXXX XXXX, to request Verification of debt from the original creditor. 

On XXXX XX/XX/XXXX, according to the call from XXXX XXXX, XXXX representative, XXXX insisted that it was not fraud because the company has a copy of my driver license on its record. I contradicted what XXXX insisted by highlighting critical facts : my non-residence history in California, ( 2 ) third partys picking up the vehicle at the dealer-shop, and ( 3 ) the suspicious persons possible accessibilities to get my personal information. As of today, I still have not received any requested documents ( i.e. promissory note or a copy of my driver license that they claimed to have ) or updates from the Toyota- Financial Lexus Financial or dealership. 

I gave them ample time to provide me with verification of debt, however, as of today, I have not received anything from them. This has been hindering my security clearance and I need to resolve this case as soon as possible. I am reaching out to you to help resolve this matter as I have exhausted my resource. I am attaching a copy of my police report filed in XX/XX/XXXX.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2020 I received a fraud alert for my credit card through Bank of America informing me that a suspicious purchase was made. I confirmed the purchase was unauthorized ( an in-person pickup at a XXXX across the country ), filed a fraud dispute and canceled the card. I received confirmation that the fraud was being investigated, a temporary credit for the {$140.00} purchase and a new card two weeks later. I received notification on XX/XX/XXXX that the dispute had been resolved, NOT in my favor as it was consistent with my history with this merchant. Again, this was a XXXX purchase in another state in which I have never visited, and have not made a purchase at a XXXX in 6 months. When I attempted to contact Bank of America to dispute the finding, as they never asked for any information from me and this was obviously not consistent with my purchasing habits, the phone number provided simply disconnected me after a recorded message stated that due to extenuating circumstances no representatives were available to take the call. Additionally there are no means through the bank website or app to send a message or respond to their findings.
Consumer complaint received 2020-04-06
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. (TX)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (CT)

Cedars Business Services is attempting to collect on a fraudulent XXXX debt. 
XXXX placed a duplicate order ( XXXX ) for 3 items I purchased a day prior. The items I actually did order and receive are as follows. 

Order # 's, dollar amounts, purchased items, and delivery dates are as follows. 
XXXX {$910.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Delivered XX/XX/XXXX XXXX {$120.00} XXXX XXXX Delivered XX/XX/XXXX XXXX {$110.00} XXXX XXXX $ XXXX XXXX Delivered XX/XX/XXXX I have the following items shown paid by XXXX XXXX and owe nothing. Someone at XXXX  duplicated the order and said it was delivered and not paid. Why XXXX year later am I receiving a collection letter dated XX/XX/XXXX. This was clearly an error on XXXX. I wish I was able to email/speak with someone in the finance department XXXX I hope you can at least forward our communication with them to clear up the matter. XXXX finance dpt will not speak to consumers. Everything is left up to me to dispute with the collection agency. I've attached photos of the XXXX XXXXXXXX  XXXX transaction history for the items I purchased and the collection letter. I've also attached a screenshot of an email from a rep at wayfair. They did not admit they made an error but they did acknowledge one of the duplicated items was lost in transit. When I sent this to the collection agency they would not lower the charges. Although I did not place this duplicated order I was willing to pay the lesser amount of {$110.00} to make it go away. Still the agency would not help resolve the matter or work with me. This has been very frustrating to me as my credit is in very good standing. 

Again I'd just want to thank you so much for your assistance in trying to resolve this matter. 

Sincerely, XXXX
Consumer complaint received 2022-12-29
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XX/XX/2022, I sent {$1000.00} to XXXX XXXX XXXXXXXX XXXX XXXX as a deposit for a new fence, with Zelle XXXX through XXXX Bank XXXX I called him several times at XXXX, he said he was coming, then nothing! I found him on the internet, because of many other people he has scammed. I filed a complaint with Zelle, they said it was my banks problem, I called and filed a complaint with XXXX, they said sorry, we are not responsible. I filed a Police report with XXXX XXXX, TX, I do not think they even looked into this. I know now that I should of been more careful, but I thought this would be protected like a debit card, or credit card transaction. Institutions should not be able to provide a service they do not claim responsibility.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2023-05-07
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. (CT)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT AND INQUIRIES ACCOUNT NAME : US DEPT. OF EDUCATIO Balance details 0 % paid off Balance {$6100.00} Balance updated XX/XX/XXXX Original balance {$5300.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment THE DATE OPENED/ DATE CLOSED/LAST PAYMENT DATE / BALANCE ARE ALL REPORTING DIFFERENT ON THE 3 CREDIT BUREAS ALSO THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL ACCORDING TO THE " FAIR CARES ACT '' ANY FRAUD REPORTED BY CONSUMER MUST BE REMOVED FROM THAT CONSUMERS ACCOUNT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2020-04-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Management Recovery Corp. (NMRC) (TN)

Would constantly call me and distant relatives and would not tell me what the call was about XXXX lies when I asked. They said it was about income when it was not. Tried to give me financial advice and told me to file for unemployment since we are currently in a pandemic. I told them I would report them for harassment since I have already verified that I am who they are looking for and they said they will continue to call everyone I know until I verify my social security number.