davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (TX)

It has been brought to my attention that DCI has input a collection account in the amount of {$1500.00} representing XXXX XXXX. I have never done business with DCI nor XXXX XXXX. I am a victim of identity theft and theses accounts are a result of identity theft. I have no obligation and never have had any obligation to pay XXXX or DCI. There is no contract bearing my signature nor is there any contract at all that I have signed to receive services from DCI Or XXXX. I am livid that DCI inserted this fraud alleged account onto my credit file. I have never received anything from DCI stating that I owed them anything and I was not given the chance to dispute this account before being inserted. How can I owe something to you and Ive never dealt with you.
Consumer complaint received 2022-03-09
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. (CA)

I have been a client of XXXX XXXX XXXX for more than 4 years. I don't escrow funds with them. I pay for my insurance/taxes out of pocket. In XXXX of 2021, XXXX XXXX XXXX decided to send XXXX XXXX more than {$3000.00} for insurance. I have always paid my policy out of pocket. XXXX XXXX has emailed, mailed and faxed the copy of my proof of insurance many times. XXXX XXXX they haven't recieved it. XXXX XXXX Mailed back a check in XXXX to refund the amount they sent. XXXX says it was cashed, then not cashed. XXXX XXXX sent proof of payment via email, fax and mail. NO response. XXXX has sense taken all my monthly payments and applied them to the negative escrow balance from the check they sent to XXXX XXXX. They have sense reported me to the credit agencies for 30 and 60 days late. I have made my monthly payments every month since the start of all of this. They have all my funds and haven't applied them to my payment. XXXX XXXX resent the check with a letter stating errors and omissions that it was their fault and the check was returned. STILL NOTHING. I have put in over 50 hours trying to resolve this over almost 5 months. My credit score was a XXXX and is now XXXX because of this. I have been penalized for NOTHING I did. It wasn't my fault they sent funds and I have been left trying to resolve, have negative credit reporting and have spent more than 50 hours of my work time handling a situation that should never happened. I have talked to hunderds of people at XXXX and still no resolve.
Consumer complaint received 2019-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (NY)

I had a minimum balance of {$48.00} from my XXXX  doctor which honestly I didn't know about. However upon checking my credit recently, I notice it was posted on my credit as a negative. I immediately reached out to the company and told them I was unaware of it and I made the payment. I am in the process of doing something that requires my credit report and this mishap has affected it tremendously. 
XXXX XXXX XXXX ... .account type Collection ... terms 1 month ... .XXXX2014 ... .closed ... late ... .. {$48.00} ... original amount {$260.00} ... original creditor XXXX XXXX XXXX
Consumer complaint received 2022-03-09
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. (CA)

I have been a client of XXXX XXXX XXXX for more than 4 years. I don't escrow funds with them. I pay for my insurance/taxes out of pocket. In XXXX of 2021, XXXX XXXX XXXX decided to send XXXX XXXX more than {$3000.00} for insurance. I have always paid my policy out of pocket. XXXX XXXX has emailed, mailed and faxed the copy of my proof of insurance many times. XXXX XXXX they haven't recieved it. XXXX XXXX  Mailed back a check in XXXX to refund the amount they sent. XXXX says it was cashed, then not cashed. XXXX XXXX sent proof of payment via email, fax and mail. NO response. XXXX has sense taken all my monthly payments and applied them to the negative escrow balance from the check they sent to XXXX XXXX. They have sense reported me to the credit agencies for 30 and 60 days late. I have made my monthly payments every month since the start of all of this. They have all my funds and haven't applied them to my payment. XXXX XXXX resent the check with a letter stating errors and omissions that it was their fault and the check was returned. STILL NOTHING. I have put in over 50 hours trying to resolve this over almost 5 months. My credit score was a XXXX and is now XXXX because of this. I have been penalized for NOTHING I did. It wasn't my fault they sent funds and I have been left trying to resolve, have negative credit reporting and have spent more than 50 hours of my work time handling a situation that should never happened. I have talked to hunderds of people at XXXX and still no resolve.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Most recently I've been back and forth to XXXX. because I had XXXX XXXX XXXX and so it took some time off. vacation with my girlfriend and her family. With my XXXX XXXX I kind of spaced out. with my finances and I looked up at the end of the month and all my credit cards were maxed out which was kind of strange. And then as I started looking through payments and charges they were several that I didn't recognize and prices that I didn't approve. Due to the trauma from the accident I didn't really know or pay attention to the amount I have spent. So now I am unsure? I'm bank account I'm unsure, its empty, on my three Capital One accounts and I don't know. And I don't know ifget anything else is left to take! I was hoping that you guys could keep a fraud alert on my credit, and help me with dealing with my bank and Capital One is far as unauthorized purchases on my account I need yall 's help! I've been working for years to get a good credit score and now it's gone down it! and I thank you for helping me God bless!
Consumer complaint received 2022-07-25
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. (MD)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2018-08-08
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 advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report : Unknown Acct XXXX ( Equifax ), XXXX XXXX/XXXX  Acct XXXX ( XXXX, XXXX ), XXXX   XXXX, AccXXXX ( Equifax ), XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX Acct XXXX ( XXXX, Equifax. XXXX ), XXXX XXXX XXXX XXXX/XXXX  Acct XXXX ( XXXX, Equifax. XXXX ).
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MA)

XXXX XXXX XXXX is over charging me after breaching out a contract. 
I had called sprint to add a international plan into my mobile account to travel to XXXX where all my family lives, so i enrolled myself in this international plan so i wouldn't have any additional or over charges. 

So i had it working perfectly, but when i came back i didn't ask or requested XXXX to remove the feature i wanted to keep to be able to still speak with my family and friends back home for additional {$10.00} plus my monthly charges of {$70.00} so XXXX without my permission removed the feature then my account went overcharged.
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

I have a secured credit card via XXXX from XXXX XXXX XXXX XXXX. I have had this card for over a year, missed no payments and have been an excellent account holder. They did not allow me to transition my secured credit card to an unsecured credit card as the terms and conditions stated. I surpassed 6 months of timely and responsible account handling quite a while ago. I should mention my US Bank secured card ( also part of XXXX XXXX XXXX ) did transition me to an unsecured card several months ago. There should be consistency among branches of the same bank ( XXXX ) and they should uphold their terms promised by XXXX when a customer opens a secured card.
Consumer complaint received 2022-07-25
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. (VA)

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2018-08-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My home at XXXX XXXX XXXX, XXXX XXXX, Fl is owned by me free and clear. There is an unknown Social Security Number with my name and an account number listed with Select Portfolio Servicing , Inc ( SPS ). They claim an old loan associated with XXXX  XXXX XXXX, XXXX. REMIC trust of XX/XX/XXXX, specifically, XXXX XXXX XXXX, that no longer exists, investors ( beneficiaries ) sued and won their lawsuits. There are no beneficiaries due money. My mother passed on in XX/XX/XXXX. I was added to the General Warranty Deed in XX/XX/XXXX. In XX/XX/XXXX, my mother was already deceased for 3 years. Its upsetting and criminal that an unknown Social Securty is linked to my name and home. Im not able to verbally communicate with SPS since my Social Security Number doesnt match their records. They transferred my home over to their REO section to sell. I previously filed bankruptcy because of identifying theft. My home was listed as an asset and was not contested. I have a Florida Homestead Exemption for Veterans. I contacted XXXX XXXX, XXXX. as trustee, and they claim no knowledge or interest in my property. I have no account or anything due them. I was told to report this scam.
Consumer complaint received 2022-07-25
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. (MD)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-07-25
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. (MD)

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Flagstar Bank, N.A. (MI)

I hold 2 checking accounts with the bank which hold bounce protection. 

Problem with account XXXX There is bounce protection but it does NOT pay and charges the account fees if insufficient. 
Problem with both accounts is that Flagstar Bank has had online banking unavailable several times since XX/XX/XXXX which allows no access to accounts and transfers between. When transfers are unable to go between accounts they all hit WITH the fees which are up to 5 at a time.

I have had {$640.00} in Overdraft fees for 2018, the fees in XXXX   never pay the bounce protection and XXXX account delays transactions which allow no time to deposit to avoid fees.
Consumer complaint received 2022-03-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (CA)

In XX/XX/XXXX, I purchased a mattress from a company for {$2900.00} and financed the entire amount through Affirm ( order # XXXX ). The product ended up not working out for me and the original company processed my return and refund on XX/XX/XXXX. I returned the product to the original company shortly thereafter. AFFIRM did not acknowledge my right to a refund until XX/XX/XXXX and I received an email that my refund would be send via mail to my address on file and should be received in 30 days or less. After 30 days, on XX/XX/XXXX, I contacted AFFIRM via their online Support Chat service about the status of my check, as I had not received any mail from them in the past 30 days. I received a response on XX/XX/XXXX and was assigned case number XXXX. I was asked to confirm the address that they had on file for me on XX/XX/XXXX and it was correct. I have asked repeatedly for updates from the Accounting department via phone and online Support Chat but for the past month have been assured they are investigating and will reissue my check as soon as possible. On XX/XX/XXXX, I received the response that they were unable to put a stop payment on the issued check and as it was apparently cashed on XX/XX/XXXX, they will NOT be re-issuing a refund. I have NOT even received the check from them and in addition, they are claiming that the check in question was cashed an entire month before they supposedly even mailed it to me. I have requested a front and back copy of the issued check to confirm the endorsement but they have been unable to supply the results of their investigation and I am still out {$2900.00} for a product returned months ago.
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Schools first federal credit union is stating that I owe XXXX. I had a individual that was suppose to deposit money into my account. When I tried to transfer the funds it did not allow me. I was not able to withdraw that amount therefore I do not see how I owe the balsnce.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (IL)

I was a XXXX customer from XX/XX/XXXX until XX/XX/XXXX. I then cancelled my services, paid my final bill, and returned all equipment. I initially found a collection account on my credit report in XX/XX/XXXX from XXXX, but being billed under XXXX XXXX, in the amount of {$360.00}. I immediately disputed the charges and it was confirmed as inaccurate and removed from my credit report on XX/XX/XXXX. The collection popped up on my credit report again under XXXX XXXX XXXX ( for XXXX ) in XX/XX/XXXX. I immediately disputed it again and once again it was found inaccurate and removed from my credit report. Then the same thing happened once again in XX/XX/XXXX and I have been fighting it ever since. I have been dealing with XXXX and Convergent ( the new creditor/collection agency ) and no one has been able to provide any proof that this debt it legitimate but refuses to remove it from my report. I asked for a copy of the supposed bill and received a copy of a bill that was for a billing cycle 2 months after my cancellation of services. None of the numbers match up and no one is willing to help me. I have attached a copy of the evidence they sent, it doesn't make any sense at all.