davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Before the COVID-19 epidemic affected us all I was current on my mortgage and in good standing, but as most Americans I was affected negatively by COVID-19 and my source of income was severely affected. I began to fall behind on my creditors utilities and mortgage due to my loss of employment as a result of the COVID-19 epidemic I applied for assistance with my mortgage servicer Select Portfolio Servicing whom offered my a reduced payment plan during my hardship with a promise with further assistance once the assistance plan was over.. Now that the program has ended I have accumulated a large past due amount as a result of the reduction in payment during the COVID-19 assistance plan. I made an effort to send a large amount of XXXX in order to bring the balance down and apply for further assistance now that I have a new source of income through the employment that I have recently attained once the stay at home orders where lifted,, but my mortgage servicer has not been cooperative with me in helping me resolve my mortgage issue after several attempts along with sending in a large portion of the past due amount. Now I am facing foreclosure and legal action threats from my mortgage servicer Select Portfolio Servicing and I am in dire need of assistance to allow my family to keep our home now that we are trying to rebuild after this COVID-19 disaster.
Consumer complaint received 2022-02-09
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. (MD)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (AZ)

I contacted Jefferson Capital Systems to settle a debt and have it removed from my credit. We agreed to settle for {$500.00}. I paid {$100.00} towards the balance the same day and the balance was left at {$400.00}. I was laid off from my job and informed JCS that I do not have the money to finish the balance. I requested they hold my account until I find employment. It was agreed they would hold my account. 

On XXXX Jefferson Capital Systems re-reported my account using re-aging to all 3 credit bureaus and stating my account is delinquent. This dropped my score over XXXX points. This is illegal for JCS to re-age my account and after promising to hold my account, they re-reported it again. 

I would like for JCS to fix this on my credit report or I will pursue further action to sue for re-aging, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). I will also report this to FTC.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My debit card number was hacked where I bank at Wells Fargo. Upon receiving a text message from their fraud detection system on a {$1000.00} charge, I immediately responded no, and called the wells fargo fraud department. By the time they cancelled my card, another transaction was charged of {$4000.00}. Upon trying to go through the fraud claims process, Wells Fargo has stated, without providing documentation stating so, that there appears to be no fraud on the account, and they denied my claim for the total of {$5000.00} that was taken from my account. The charges were used to purchase XXXX from XXXX, and since it's a XXXX XXXX XXXX, I can not receive my money back from XXXX.
Consumer complaint received 2022-03-14
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. (FL)

On XX/XX/2022 I certified mailed a letter disputing an erroneous account on my credit report asking Equifax to investigate this, provide me with the documents used to verify and validate the account, or delete the account immediately from my credit report if they could not. It has now been more than 30 days since they received the letter ( which I have proof of ) and they have not responded nor have they removed the account. I have attached the original letter mailed on XX/XX/2022 ; as well as a failure to comply letter updating them on their willful negligence to comply with my request, the Fair Credit Reporting Act, and CFPB.
Consumer complaint received 2021-06-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

i notice a inaccurate item on my report from SMITH & ASSOCIATES on XX/XX/2021, about a alleged debt of {$140.00} that i dont owe nor have i had any dealing with SMITH & ASSOCIATES.I requested documentation for the alleged debt on XX/XX/2021 and has not heard from them thus far.attach is a copy of the information that i sent them, also they are sharing my personal information without my permission, which is a violation of the HIPPA law.
Consumer complaint received 2022-02-09
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. (NV)

IM WRITING IN REGARDS TO THESE UNKNOWN ACCOUNTS REPORTING TO MY CONSUMER REPORT, I HAVE SENT A DISPUTE 30 DAYS AGO TO NO AVAIL AND IVE SENT IT CERTIFIED AS WELL WITH A RETURN SLIP DELETE ALL ACCOUNTS DISPUTED BELOW
Consumer complaint received 2018-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late of of XX/XX/2017. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (SC)

I sent money to Coinbase & then transfer it to deluxe mining. Coinbase should have known that they were a fraud company site. I just want my money back. Do not use XXXX. A fraud company! I used Coinbase and XXXX  with them.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have made multiple attempts to have theses items removed, I have made several calls and written letters and this is still goes unresolved. I have this false information listed on my report the following address XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. These following accounts XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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. (RI)

Back in XXXX of XXXX disputed several accounts that are listed on my credit report. They were not able to verify nor validate the debt per the Fair Credit Reporting Act or the Fair Debt Collection Practices Act. Verification and Validations of debt are under penalty of perjury and copies of statements of account are not suffice. Also, I required the agency to supply me with a copy of the SSA 89 form which gives authorization to disclose any information involving my social security number. In accordance with the FCRA the accounts below have violated my rights : XXXX UNIVERSITY EMPLOYEES account ending in XXXX XXXX  COLLECTIONS account ending in XXXX XXXX XXXX XXXX account ending in XXXX inquiries by XXXX- CARD SERVICE AND XXXX  CREDIT BUREAU 15 U.S.C . 1681 section 602 A. States I have the right to privacy 1581 U.S.C. 1681 Section 604A Section XXXX also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MN)

Venmo says my account is frozen after I was sent {$65.00} to my Venmo account. That was my first and only transaction so far. Email received from Venmo says account is frozen due to account activity that caused an alert of some sort. I am unable to access my funds and Venmo refuses to provide me with information and instructions on how to retrieve the money that is rightfully mine
Consumer complaint received 2022-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (CO)

On XX/XX/XXXX somewhere in New York at the store XXXX XXXX XXXX a lease was applied for in my name using an email and phone number that is not mine. They applied for a lease through the company Acima, a lease to own company in my name. They also used an address in New York and I don't live in, never traveled to, or been in the state of New York-I live halfway across the country. I am now in default of this lease and it is negatively impacting my credit score and is now 60 days past due and is in collections. 
I contacted Acima today, on XX/XX/XXXX and Acima will not help me dispute this. They told me to contact the credit bureau reporting it, that is helping but I need this taken off of my credit report. Acima is doing nothing to help me and it took 3 phones calls and 3 representatives to even get the name of the vendor : XXXX XXXX XXXX, they weren't going to release it to me. I also had to beg for an email address that isn't tied to me at all. They treated me like the criminal. 

ACIMA Account XXXX XXXX Date opened XX/XX/XXXX Balance as Balance updated XX/XX/XXXX {$5900.00} Original balance {$5400.00}
Consumer complaint received 2022-03-14
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: Experian Information Solutions Inc. (TN)

It's been information that I consider private information and I don't want shown on my consumer report and also I have some accounts that shouldn't be reported on my consumer report. They also broke some FCRA laws that I noticed.
Consumer complaint received 2022-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alpha Recovery Corp (NJ)

On XX/XX/XXXX at XXXX pm, I received a call from Alpha Recovery Corp at XXXX. They are the THIRD debt collector to call me in 12 months seeking payment of a {$500.00} debt from XXXX XXXX retail store. The 2019 debt was filed as FRAUD. The fraud claim was told and shared with three debt collectors.
Consumer complaint received 2022-03-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (FL)

After 4 days, multiple calls, hanging on hold for over 59 minutes to one hour, texting, and having a third party verification ( XXXX ) they DID NOT RESPOND! ALL THE WHILE EXPERIENCING GEAVT CALL VOLUME REGARDLESS OF DATE OR TIME. THIS CRITICALLY IMPACTING MY REFINANCE. EVEN REACHING OUT TO THEIR MTG DEPARTMENT FAILED.
Consumer complaint received 2022-10-10
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)

XXXX XXXX # XXXX How can you say this account is accurate when clearly it's not... EVIDENCE IS RIGHT THERE IN BLACK AND WHITE... date last active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, experian XX/XX/XXXX THAT DOESN'T LOOK ACCURATE TO ME! ! 3 DIFFERENT DATES..THIS REPORTING IS A VIOLATION MY RIGHTS AS A CONSUMER .... DELETE THIS ALREADY SO I CAN REST!!
Consumer complaint received 2022-10-10
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. (FL)

It appears that my credit has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any account and information which was found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : 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  If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I hire a company out of XXXX Ca. There are some credit cards from capital one credit and another company saying these are my credit cards with XXXX dollar limits these are not mine, I did everything to provide information to these companies, they continue to use 3rd party agencies to attack me, this has been going on for 2 years or better
Consumer complaint received 2018-07-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On Thursday, XX/XX/2018, I received a call from my adult daughter saying she had received a call from someone who was executing an " Order for Location '' and trying to locate me. She said the person also contacted her daughter who is XXXX years old and scared her.

I checked my voice mail and found that whoever it was had left a voice mail for me. I listened and learned the following : The person calling was XXXX XXXX and that she was executing an " Order for Location '' and trying to locate me in regard to case XXXX, a case filed in XXXX County ( Texas ). She said the order gave her authority to contact my employer and references. She said she would continue to do so until told to do otherwise and that this was a 'Legal Notification by phone '.

I checked with my sister who said she had been contacted and my wife who checked her email and found the same message.

I called the number provided XXXX and was given the same information. She claimed to be trying to locate me, but would not stop calling until directed to do so by whomever hired her. She would not tell me the name of her company or the name of company that hired her. She did provide me a number to a different company. I called the number and could not find out the name of her company but after some arguing, I learned that they were working to recover an unpaid loan from two years ago by Ace Cash Express. I remember the loan, but not if it was paid completely. She would not provide me with specific contact information on how to contact the company. It is strange they have my phone number but and address, but could not find me. They also confirmed they had my address.

I contacted the XXXX County courts and was told they could find no record of suit filed but that did not do any service processing so could not help me. They were not particularly interested in helping me, saying they had no idea where to go for help.There are no suits filed against me, so they could not help me.

I worked in the credit field for nearly 30 years and have never heard of such a court ordered process. After consideration, I determined that my next course of should be to contact your agency.

Your help is greatly appreciated.
Consumer complaint received 2022-10-10
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. (CA)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXXXXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXBalance Owed : {$5700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$9700.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX ( Original XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX ( Original Creditor:XXXX XXXX XXXX A XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX ( Original CreditorXXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed {$1700.00} XXXX XXXX Balance Owed : {$2200.00}
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (AR)

I received an Email from a co-worker on XX/XX/2021 stating that I needed to give a XXXX XXXX a call at XXXX Ext XXXX. I called the number back about an hour later, thinking it was related to work. Once transferred after I called, I spoke with XXXX XXXX and advised who I was and the name of my company. She then proceeded to try and ask me personal questions before she could let me know what the call was about. I would not give her information and asked " what is this call about, if not work related? '' She again, tried getting personal information from me and stated my last four of my social and asked me for my birthdate, which I would not give and home address. She was also at the time, repeating my phone number, of which I assume she was logging into the computer. She then went on to say, its a recorded call and its a debt from XXXX XXXX ( of which I do not owe ) ; and said Credit Corp had purchased this debt and that this was pre-legal. She was calling to see if she could get something worked out " Before they turn this information over to their lawyers '' and have something did, I did not understand her last sentence. I then said, I do not owe any money on this and further, DO NOT CALL my job giving information to my coworkers. My personal has nothing to do with this. She ignored that sentence and proceeded to tell me, " Yes, we have that information and threatened me that I would have my wages garnished because they have that information '' She also said, they had been trying to reach out to me ... I stated again to her, DO NOT CALL my work. Further, I said to her ... Turn it over to your legal and I will have my attorney definitely get back to them about this, because at this point, she has threatened me and I have never even spoken to these people nor have knowledge of this so called debt! I stated it to her twice and then proceeded to hang up the phone. Under FDCPA law, it is illegal for a debt collector to threaten you with garnishing your wages our property. She DID this! Therefore, I am officially reporting this negligent and unlawful act. Further, I have been told this company has called before and my coworker just did not give me the information because she could not verify who this person was or why the call. I called my work to indicate if they received another call from the number listed above to not take the call and tell them, they are not allowed to call me there. Someone from the company turned around after I STATED, " DO NOT CALL MY JOB '' and called again trying to gather information.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under XXXX XXXX XXXX XXXX ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.