davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services (NC)

On XX/XX/year>, I received notification that a hard inquiry hit my credit report. This was not authorized by me and I did not initiate the request. I reached out immediately and did not receive a response. I received a call the next day asking if I wanted to finalize the loan. Of course I said no and explained what happened. She said someone would contact me with more info. Nobody ever followed up. This is the second complaint Im filing because they closed the first XXXX due to insufficient information. I need this removed off my credit report immediately, for you to remove my name and info from your system, and to know who authorized this and any information along with where they tried to have the money sent so I can open a formal identify theft investigation. 

DO NOT close this complaint. I have included my contact information. There is not a loan number to include since it was not successfully opened. However, I still need this corrected and for it to be removed off my credit report. I am now seeing it listed twice.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2023-04-12
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. (FL)

This is my follow-up complaint in line with my prior complaint dated XX/XX/XXXX. 
My complaint contains the items which I believe to be fraudulent please remove the items in my file : 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, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$110.00} SXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$79.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (GA)

These collections on my credit is preventing me from becoming a first time home owner on top of that this company has threatened me multiple times After Ive explain to them that I do not know what this debt is. This company is really affecting my health as I am traveling back-and-forth to the hospital because of stress. Im getting deny left and right when applying with Banks to get a mortgage, My fianc is suffering from XXXX and the price of living is entirely too high To continue paying rent at the property I currently live in. Im a XXXX veteran trying to make a honest living here in the United States but this company Is placing collections and outstanding balances onto my credit which is preventing me from succeeding in life. I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc. (NC)

I have an issue with Sezzle Inc . They have fraudulently reported that my account with them was delinquent twice! On XX/XX/XXXX, I checked my account to see that the system noted the payment still registered as being owed, even though it clearly states a payment had been processed. I attempted to contact Sezzle by phone and through their help tab within the app to no avail. I never received a call back, nor a reply to my help ticket on their app. They reported falsely that my account was delinquent on XX/XX/XXXX. This caused my credit score to decrease by over XXXX points. I was and am still upset about this. On XX/XX/XXXX, I received notification from my credit bureau tracking app that Sezzle had yet again reported to the credit bureaus that my account was delinquent. A statement that is totally not true. Attempts to get in contact with reps from the company has still gone unanswered.
Consumer complaint received 2017-05-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (TX)

Received notice from  XXXX  ( collection agency ) that I owed on a medical debt, I sent a dispute and requested validation from that with my signature that the debt was mine. The collection agency sent back my patient statement  (  private information ) with diagnosis and codes, procedure and codes that they received from  XXXX   XXXX  hospital. I sent them a  XXXX  violation dispute and they sent back a letter stating that they verified my debt. The request was for validation, not verification. This is a violation of  XXXX  violation
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (TX)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2021-12-17
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. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Police Report attached. 

Fraudulent accounts to be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent/Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MN)

I am a small business owner, I own a   XXXX   XXXX   XXXX   and I started selling  XXXX   XXXX  on  XXXX  for extra income on the side. My   XXXX   purchases are linked up with  PayPal where customers would pay using PayPal and once PayPal confirms the money I will ship out the item and once the tracking number is provided and is delivered PayPal will release the m oney.     At first everything was fine but once I started to have more orders they started to hold the funds, initial hold was 21 days I was n't too happy about that because I offer custom make  XXXX  gold jewelry and with gold the market fluctuates every day and I need cash flow to run the business. If the customer has received the merchandise my funds should be released. Then I get a call and email saying they will no longer be able to release the funds in 21 day now is 90 days and few days later I get another call and email saying they will hold 10 % of all the money for 180 days. Every deal I make my profit is only 10 %  Currentl  y PayPal is  withholding {$28000.00} Please help with this situation. You can reach me at my mobile  XXXX  or business  XXXX    XXXX   XXXX    XXXX
Consumer complaint received 2024-02-23
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: T.S. Holdings (IL)

I received a call from this company last week, after a long conversation they pushed me into agreeing with a payment option. 

I spoke with legal council, and was advised against making any payment. 

I told them to cancel the payment, they berated me on the phone, told me they wouldn't stop, I demanded all future correspondence be via email ( having not received a single email from them in our 10 days of communication ), they told me they wouldn't respect this request. I was forced to have my bank intervene. 

I've attached a picture of the email I submitted yesterday after the cancel payment attempt call, to the email address provided by the representative XXXX XXXX, XXXX XXXX is the alleged account manager in charge of my record. 

Today, they called me, and called my place of business speaking to the owner of my company and employer. 
To summarize from the previous selection options for complaints : Communications Tactics - They used abusive language along with manipulation tactics to try and sway the conversation in their favor. They repeatedly refused to answer questions without deflecting. 

Written Notification About Debt - I haven't received a single piece of written correspondence as of writing this complaint. I haven't received an invoice, a breakdown of debt owed, nothing. Furthermore, they refuse to use written communication saying " we don't do that here '' and " that's not how we do things '' - per their representative, XXXX XXXX. 

False Statements or Representation - After reviewing the lease they they are referencing, I believe the amount they're asking for is double the amount owed. I can't verify that, as I've received no information detailing debt owed other than a total dollar figure. 

Threatening to Contact Someone or Share Information Improperly - After being notified not to call about this debt, they chose to call my employer, and myself. 

In addition, I had legal representation send a letter to that above email address days ago. I don't believe they ever replied to him, opting to contact me. 

I'm worried they will continue reaching out to friends, colleagues, family, possibly even clients regarding this. They need to stop.
Consumer complaint received 2023-02-03
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. (GA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX/ Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-20
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. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

Account name : XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX 15 USC1681 section 602A. States I have the right to privacy.

15 USC1681 section 604A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states 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
Consumer complaint received 2024-03-15
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NV)

Over the last 6 months or so, my bank has been taking my entire check. When I called I was told there was an account opened in XXXX and was closed due to it being overdrawn {$1900.00} dollars, and that they spoke with me about back then. This was not me, and I didn't have an account open in XXXX. My account has been open since XXXX.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am coming out the XXXX XXXX  and back to work full time. During the pandemic I lost all of my income. I am now back to work full time and can afford to make payments. I was told by SPS to apply for the loan modification and applied. I went through the process and was declined. I was declined for insufficient income. I have a complaint with the review I went through with SPS. I don't feel like SPS processed my file correctly. SPS stated my income was {$1400.00}. I have now idea where that number came from. That is not the income I submitted. I was told during the pandemic that the process was pretty easy to resolve by SPS for resolving the forbearance. I am filing a complaint in an effort to resolve and save my home.
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (CA)

SEQUIUM ASSET SOLUTIONS, Did not provide me with written communication about this debt. Refused to send me a debt verification letter. Can not prove this debt belongs to me. Statute of limitations in California is 4 years. And the statute of limitation has expired.
Consumer complaint received 2019-12-27
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. (FL)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions
Consumer complaint received 2021-12-18
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: SYNCHRONY FINANCIAL (IL)

The SYNCBXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX is not my credit card. I have never had a XXXX card. I need this information removed from my credit.