davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (FL)

NETCREDIT Must provide consumer with an authenticated record of accounting to validate and verify alleged debt. NetCredit, I am requesting an authenticated record of accouting. I have the right to an authenticated record of accounting which should be readily available to you as the custodian of records and/or the collective entity. 

Please note that this authenticated record must include ALL tax filings ( including ALL 1099 's, 1096 's and 1098 's ) ANY and ALL trades and/or investments and/or interests associated with this account of which I am alleged to be a party. 

I have a right to this information, as its directly associated with the reporting activities associated with my financial record. 

Failure to act and/or comply will result in legal actions under Federal Laws.
Consumer complaint received 2023-05-12
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. (CA)

This account with XXXX XXXX XXXX was paid satisfied in XX/XX/2018, it is showing up on XXXX and Trans Union as a derogatory CHARGE OFF. It was never a charge off and my payments prior to settlement were on time. I verified this with the Company but they have not changed the credit bureaus status.
Consumer complaint received 2022-02-13
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. (MI)

Hello, I filed two rounds of letters with XXXX, Equifax and XXXX on XXXX XXXX and XXXX XXXX and the accounts still remain and have not been fully validated. XXXX sent me a second letter stating since they attempted to complete an investigation the first time, they will not be conducting a second investigation on the accounts.
Consumer complaint received 2016-04-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was issued a XXXX credit card that was serviced by CapitalOne. On XXXX XXXX, 2016, I received an email stating that my autopay, monthly payment drafted directly out of my checking account, was canceled and that I would need to make payment using other methods henceforth. I was out of the country and could not respond. I have been informed that CapitalOne sold my account to another creditor because I had filed for bankruptcy. I was not delinquent on any payments. The checking account that I used for my autopay had enough to cover the XXXX payment. Also, I never received a demand letter for the alleged outstanding balance. I could have paid it and wanted to pay the balance that I owed them. I did not include that in my bankruptcy filing. I stipulate that CapitalOne has the right to rescind credit extended to a customer. However, it does not have the right to refuse payment and then take action to collect the alleged balance owed. Also, bankruptcy law places an 30 day stay on any collection activity. The bankruptcy was filed on XXXX XXXX, 2016.
Consumer complaint received 2022-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (RI)

Refusal to cancel 3 fraudulent transactions and refusal to refund them as well. Its been almost 3 months still not resolved and communication isnt being kept by the company. And a refund from 3 months ago still hasnt been resolved four a charge where the services were never provided for a prepaid service. Ive filed numerous disputes with the company and have only been told that the dispute was expedited to a team you better handle it and then never hear back. I have also advised them of their legal responsibility and they immediately refused my dispute.
Consumer complaint received 2022-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The account opened in my name with capital one is fraudulent I have never opened a account with capital one ever! I have a lawyer working with me to fix this issue I also have a identity theft affidavit. Capital one said that a address was linked to me but thats not true either!! I have NEVER lived at that address I can send in new and old forms of identification to prove it! I have always said and have police reports stating that a family member is the person who stole my identity, while the address they are speaking of may be a familys I have never lived there, received anything there including mail etc I am not associated with that address whatsoever and I will never stop disputing this account because its fraudulent. Like I said my lawyer is looking into this and we will get this fixed!
Consumer complaint received 2022-12-30
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (MD)

Please remove hard inquiries 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 2022-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (NM)

On XX/XX/2022, I spoke with XXXX XXXX of Wakefield and Associates about paying off my balance of {$690.00} ( {$680.00} from my XXXX bill plus interest ). 

I do not know why I was even sent to this collections agency. I paid every medical bill I ever received. They said I had been sent to them by " XXXX XXXX XXXX, XXXX, '' a group of XXXXXXXX XXXX that I had never heard of or received a bill from. Not knowing what else to do, and being told by in an earlier call that my credit was going to be damaged, I decided to trust their legitimacy and pay the balance. 

XXXX told me that if I paid it all that day, I would receive a 25 % discount. I accepted, and I made a payment of {$510.00} ( auth # XXXX ). 

In XXXX, I was surprised to receive a bill for {$170.00}, but when I called, I was told that the balance would be adjusted off due to my payoff the month before and to disregard the bill. Over the next 8 months, I received regular phone calls from Wakefield and Associates, some in person, some automated, telling me that I had a debt that needed to be collected. My extensive XXXX treatments have strongly affected my XXXX, and I didn't remember dealing with them. I asked that they send me a paper bill and a record of the services I had received each time they spoke to me. They never did. 

Finally, in XXXX of XXXX XXXX received a notice stating that I had been unreachable by phone and threatening that they would soon " have no choice but to proceed with further collection activity. '' This bill showed a balance of {$170.00}. I immediately called, and on XX/XX/2022, I spoke with XXXX XXXX, who assured me that if I made a payment of {$170.00}, it would resolve my balance and close my account with them forever. I made the payment. 

Later that same month, I received another bill with a balance of {$.00}. I called them on XX/XX/2022 and spoke with XXXX XXXX, who told me that the {$.00} would be adjusted off and to disregard the bill. That was the most recent interaction.
Consumer complaint received 2021-12-19
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. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2021-12-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (NY)

XX/XX/2021 I the consumer requested Debt Validation 15 U.S. Code 1692g, FDCPA, not verification but validation of said debt. In addition my consumer rights where violated and Im am requesting remedy for violations 15 U.S. Code 1692b ( 5 ) and 15 U.S. Code 1692f ( 8 ). I received mail on several occasions which included such violations. TD Auto is attempting to collect on an alleged debt which validation has been been requested.
Consumer complaint received 2023-02-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (MD)

I DID RECIEVE INITIAL BILLING ON THIS AND PROVIDED INSURANCE INFORMATION FOR BILLING AND THEN NEVER RECEIVED ANOTHER BILL. THEN IT APPEARED ON MY CREDIT. I HAVE DISPUTED IT ALREADY XXXX ON MY CREDIT AND ASKED THAT THEY SEND DOCUMENTATION FOR THIS ACCOUNT SUCH AS COMMUNICATION CORRESPONDENCE FOR BILLING ATTEMPTS AND OR ABY AND ALL CORRESPONDENCE. NOTHING WAS EVER SENT.
Consumer complaint received 2022-02-14
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: Capio Partners, LLC (GA)

I recently ordered a copy of my credit report and the bad score that I had thought was due to not having I established credit I found out was due to Numerous things on my credit report that was not me. There are six visits  to the emergency room in XXXX on my report I have not been to the emergency room since I lived in XXXX in 2009 I had a baby thats the last visit Ive ever had to the emergency room. Also there is something on there from XXXX XXXX I have never had cable from XXXX the last time I had cable television was in XXXX XXXX Im in the midst of trying to make a police report and get this handled.
Consumer complaint received 2022-02-14
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 (UT)

Capital one needs to provide me under 15 USC 1602g who authorized the use and permissible purposes as the original creditor to use my information to report this negative account under my name? Otherwise the account reporting needs to be block and deleted from all credit reporting agencies immediately.
Consumer complaint received 2024-02-22
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. (IL)

According to 605B, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation.
Consumer complaint received 2022-11-12
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: EQUIFAX, INC. (CA)

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. has violated my rights. 
Unverified Account- Please verify the accuracy and completeness of this account with a sworn affidavit as required by law. Failure to include an affidavit is by definition unverified and must be deleted. 
Please remove this inaccurate information from my credit report. 

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.

15 Days should be enough.

Tracking all letters.

" Patiently '' Waiting. 
Yours truly, XXXX XXXX
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I see that you guys validated that these inquiries are accurate when I do not even have an account open with these inquires your are reporting. I would like a copy of my written signature, a written copy of the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately permanently delete these inaccurate items I included these inquires in my FTC report & as well as contacted the creditors and bureaus who say they was XXXX to handle it & remove these inaccurate items under FCRA Section 607
Consumer complaint received 2022-02-14
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 filed a dispute with Experian on XX/XX/XXXX on this account letting them know I have no knowledge and requested a full validation under XXXX  XXXX and requested information on the company right to collect under fair credit and billing act. I have not heard back from Experian. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the XXXX and XXXX. 

disputed account : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$560.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I see that you guys validated that these inquiries are accurate when I do not even have an account open with these inquires your are reporting. I would like a copy of my written signature, a written copy of the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately permanently delete these inaccurate items I included these inquires in my FTC report & as well as contacted the creditors and bureaus who say they was goin to handle it & remove these inaccurate items under FCRA Section 607
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my XXXX attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. XXXX, Equifax and XXXX have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with 3 credit bureaus. This account was opened fraudulently. I informed the Bank of the issue & provided them with the required documents to block/remove the account via FCRASection 605b. They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need the XXXX removed from my report ASAP. Here is the name of the data furnisher & the account information. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}
Consumer complaint received 2022-02-14
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: WELLS FARGO & COMPANY (FL)

Well Fargo continues to brush me off with responses that do not provide any proof that they acted in an ethical and non-discriminatory fashion. As a matter of fact article after article, class action suit XXXX after another including XXXXXXXX XXXX  own XXXX has found Wells Fargo to be nothing less than nefarious. Wells Fargo has stated repeatedly that I was approved for a " Modification '' and that I didn't accept their proposal. They expected me to fall victim to their fraudulent ways just like the millions of other who were approved for so called Loan Modifications by XXXX servicing which was a subsidiary of Wells Fargo. Customers believing Wells Fargo had granted them a " modification '' to keep their home paid on their modification for XXXX months, received a XXXX and XXXX signed and notarized to the proof of the modification. Only to find a foreclosure envelope in their mail box. Trust me says Wells Fargo we reviewed you documentation and upon fair review we were able to offer you the same loan terms and conditions, but just not call it a XXXX XXXX loan .... What? I refuse to speak with some used car salesperson on the phone trying to talk me into believing that Wells Fargo has acted and continues to act ethically and responsibly. Again all evidence points to lies and deception on the part of Wells Fargo and I reiterate that my loan modification was not assessed in an ethical and non-discriminatory court ordered manner. Before furnishing any further additional documentation Wells Fargo need to first establish an interest in establishing their claim of no wrong doing on their part as they've monetarily have paid for via class action settlements. I request Wells Fargo 's senior management team set up a meeting with me and my advisors and walk us through my entire loan modification along with the process utilized.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove this fraudulent account from my credit report, as it is not associated with me. I request that you conduct an immediate investigation and remove any other inaccuracies from my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately FTC report number is : XXXX Accounts are listed in the FTC.
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
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: EQUIFAX, INC. (FL)

NEED to provide proof that I have given authorization of an accounts on XXXX/XXXX/2021 on my file. This letter is to notify It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on XX/XX/2021. The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will XXXX XXXX XXXX
Consumer complaint received 2021-12-18
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. (CT)

Hello, I emailed 2 letters to TransUnion regarding the XXXX XXXXXXXX XXXX XXXX  ) inquiry for XX/XX/2021. This inquiry is not mine and should be deleted.