davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

On XXXX I received my return receipt of certified mail when I sent out a debt validation written letter about two accounts that they are attempting to collect this debt on. I waited and still over this 30 day period have not received and validation in the mail at all at the address I provided. These two accounts have affected my credit score which lead to denial in my home purchasing process. I would like these two accounted deleted and removed from all of my credit reports because by law there has been no validation that I requested.
Consumer complaint received 2022-01-20
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: Experian Information Solutions Inc. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (FL)

I contact Sequium XXXX XXXX on more than one occasion requesting information that it was me that open up the account I had sent them police reports, FTC report letting them know that someone opens up an account in my name fraudulently. Then sent me a letter stating that it was me that open it up and a bill. I never signed a contract with them, nor the company they are collecting for and they are not providing me with the details that I requested from them.
Consumer complaint received 2021-03-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Greetings, I am writing this communication to demonstrate that Equifax, a credit reporting agency, continues to violate the FCRA along with the Florida Unfair and Deceptive Trade Practices Act. 

XXXX XXXX XXXX  on my behalf has communicated with Equifax on XX/XX/XXXX and to this day Equifax has not responded. See XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXXXXXX XXXX ( ( " We must presume that the Clerk performed his statutory duty, which was to mail the notice and certify thereto, or else certify that he had no addresses of record of the persons entitled to notice ; and we think it is just as reasonable to infer that the notice to the appellee XXXX was, in fact, mailed to him ( as in the case of the other tax deed holder, XXXX ) and that the record thereof became misplaced, as it is to infer that the Clerk completely ignored his statutory duty. To do otherwise under the particular circumstances here present would amount to an imputation of fraud against the Clerkand this we will not do in the absence of more compelling evidence. '' ) DSK Law did mail as the attachment has shown a requested response from Equifax, however, Equifax refuses to respond, Therefore, Equifax is violating various provisions of the FCRA and continue to allow information to stay on my report that is : XXXX. Identified as information being reported as fraudulent information that has been reported to the FTC as information identified as identity theft ( i.e. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ) XXXX. Continue to report information that is and has been outdated for more than XXXX XXXX XXXX XXXX years. ( i.e. XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that XXXX years ; XXXX XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more than XXXX ( XXXX ) years of reporting ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX last date reported was XX/XX/XXXX which is more than XXXX ( XXXX ) years of reporting ; XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that XXXX ( XXXX ) years of reporting. 

In addition I am requesting a credit freeze on my account as I am a victim of identity theft. 

Please investigate my inquiry into why Equifax refuses to deal with the issue of my credit report just as they did in past legal cases involving Equifax which include XXXX XXXX XXXX Equifax Information Services, LLC and XXXX XXXX Equifax Information Services, LLC ). In both of those cases Equifax purposefully refused to remove information where both plaintiffs proved to be fraudulent in nature. 

Thank you for looking into this inquiry and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I closed my account with XXXX & XXXX on XXXX of XXXX  and returned all equipment owed to this company. I have email confirmation that equipment was received and all debt was settled. Starting in XXXX of XXXX  my wife began to receive collection statements from Convergent Outsourcing Inc. indicating that she owed {$480.00} due to a collection from XXXX XXXX XXXX XXXX XXXX XXXX  ). She is now receiving a letter from a new company called XXXX XXXX XXXX saying they are willing to take a smaller amount to settle this balance. I contacted XXXX XXXX XXXX to have them review my account and they indicated that not only did I not owe them a balance but that my account closed with a credit of {$5.00}. The XXXX & XXXX account was in my name, not my wife 's.
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (TN)

I disputed one collection agency on behalf of XXXX XXXX XXXX XXXX. the account was not to my knowledge. it was removed from my credit. XXXX a collection. Sequium Asset Solutions was placed on my credit report for {$3400.00}. This debt was removed once.
Consumer complaint received 2022-08-12
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$9000.00}
Consumer complaint received 2020-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (CA)

TD account number : XXXX TD debit card number : XXXX I canceled my TD checking account. I used my debit card to return items at XXXX after the account was closed. I never received a check or refund for the following transaction and have contacted XXXX who tells me they successfully sent the money to the credit card. 

XX/XX/XXXX : XXXX refund ( XXXX ) I called TD on the following two dates : XX/XX/XXXX ( XXXX customer service ) and XXXX ( XXXX XXXX timestamp XXXX XXXX  EST ) XXXX sent an email to the department that would handle closed account transactions to get information. When I called back XXXX told me the department claimed they never had any record of the 'transaction ' or of a store attempting to give me a credit. I never gave a specific transaction the first time. I was not allowed to contact the department directly or dispute the transaction ( I was told I could not dispute the transaction - not receiving credit- unless I had a complete record of when I purchased everything I returned - not just the information from the refund ). I was never given an option to escalate the inquiry or request an investigation. I was left with no options other than to just lose money. I checked with XXXX and they sent the refund over and from there everything is the responsibility of TD ( attached proof from XXXX ). 


The debit card accepted the transaction and did NOT decline it. I will to get a full refund of the amount TD owes me, as well as full records of my account in case there are other transactions I am unaware of since TD is refusing to give me records or let me speak to the proper department and is handling this inappropriately and irresponsibly. 

In addition, I have submitted multiple requests and TD keeps completely bungling them. I had multiple transactions and instead of looking for each transaction separately, they combined them and told me they didn't find a transaction with the amount. 
I just received a letter saying they never found a transaction in the amount of XXXX but I never gave them that amount. They are handling this completely wrong and it's astounding the level of incompetence they have.
Consumer complaint received 2018-03-06
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. (NY)

I feel i'm a victim of identity theft because someone attempted to apply for items in my name. I went to file a police report but they told me because nothing was stolen only an attempt that I would have to file a complaint with the Consumer Financial Protection Bureau in order to get a solid resolution and report to the bureaus. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX AUTO - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX FIN - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2021-03-31
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. (GA)

Every month I receive notifications from an email address that I dont use often in regards to a loan application that is being denied by XXXX ... I have contacted them several times to inform them I am a victim of identity theft that I AM NOT APPLYING for loans but they continue to process these applications causing negative inquiries on my credit file
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

For the past several months I have been disputing inaccurate information with Experian, XXXX and XXXX on the following accounts with the following details : XXXX XXXX XXXX High balance Date of last activity Date opened Date of last payment Closed date XXXX XXXX XXXX High balance Date opened Date of last payment Closed date Date of last activity XXXX XXXX. XXXX Date opened High balance Date of last payment Date of last activity Closed date All three bureaus claimed they verified the information is accurate, but one look at my attached credit report shows several inaccuracies regarding these items still exist.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I've found that my credit report has erroneous information for the third time, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2022 I sent a letter regarding inaccurate information and unverified items on my credit report. It has been over 30 days and I have not received a proper response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate the disputed items within 30 days gives reason to immediately remove said items from my credit report. It has been over 30 days so the disputed items need to be deleted promptly from my credit report. Furthermore, I demand that these items be deleted immediately or I will file for litigation due to the stress that you and the bureaus have caused me. My information may have also been impacted by the XXXX data breach and could have gotten into the hands of the wrong person.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Link Management, LLC (NY)

I was contacted by a debt collection agency : Capital Link Management re an account with XXXX in the amount of {$2800.00} ref # XXXX. The original creditor was listed as XXXX acct # XXXX. 

The name on the reference letter sent to me re this debt was XXXX XXXX, XXXX XXXX XXXX, XXXX, NH. This is not me and I have no knowledge of this account. I was told to check my credit report which I did and saw no listing of this debt. 

The debt was reportedly related to a lease for a XXXX XXXX opened on XX/XX/2018. 

The collection agency has my ss # and birthdate. I don't know how or why they have this information. 

I called XXXX and was referred to this link. 

I would like to stop calls to me, my wife and my daughter re this matter.
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I disputed my last 2 transactions with PayPal, because the items were never shipped, therefore never received. I reported it and opened a dispute on XX/XX/21, I logged in to check the status today and you closed the disputes the same day I opened them and I don't have a refund nor my merchandise. I placed the order on XX/XX/21 and it was supposed to ship out that day. It is now XX/XX/21 and the merchandise still has not shipped. I have been in daily " texting '' contact with the Store. I opened a complaint with Paypal on XX/XX/21 noting that the merchandise was never shipped nor received, and Paypal closed the complaint the same day without investigation nor resolution. I can not contact Paypal, they hang up on me and wont respond to my emails. How do I proceed to make things right? Thank you for your help.
Consumer complaint received 2021-06-25
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. (CO)

XXXX XXXX is reporting my loan late in XXXX, 2021. As XXXX XXXX clearly states in a response to my complaint to the XXXX, I was not late in any payment XX/XX/ 2021. These lates that are reported to all three credit agencies and reported differently must be corrected to on time status for XX/XX/ 2021.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I have called Experian for several months asking them to look into my credit score and why it is consistently 100 points or more lower than XXXX  & XXXX. Every person gives you a different answer and has no idea what they are talking about. 

Each of them do have one thing in common though - You need to open another credit card because your file is " thin ''. I already have 3 credit cards and DON'T want or need a 4th one. I have plenty of credit. They also weekly send me message to open credit cards which I am sure they make money off of. Therefore forcing someone to open cards that I am pretty sure they make money off of. 

Today I had one " customer service '' agent ( XXXX - badge XXXX ) who when I asked to speak to you her supervisor told me that their managers do not speak to people. I called back again and got her : - ( and she hung up on me when I asked to speak to her manager. I called a 3rd time and XXXX ( ext XXXX, would not give his badge number ) also said his manager would not speak to anyone.

All I want to do is speak to a senior leader that actually knows what is going on to fix more score and bring me inline with the other agencies. My score being over 100 points lower than the other agencies is hurting my ability to get good loans for purchases of a new car and home. 

PLEASE HELP ME!
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (LA)

MBA Law At XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notice in the amount of XXXX. Seeing the collection has been reported as past due I do not know this company. I have never done any business with this company, this company does not have a contract with my signature.
Consumer complaint received 2019-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

" Un-Applied payments. '' @ {$6000.00} in payments listed, but not applied to the balance of my loan. I tracked the balance. Those payments are listed with XXXX applied. I can not get them to explain or actually apply the payments. This represents @ 6 payments of {$1000.00} Please get them to apply the payments. It looks like theft when they accept 6 payments, but not apply them to my balance. Ditech is a bad company. It appears they went bankrupt several times, but still refuse to reduce the interest rate or apply those 6 payments.
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc. (CT)

There are too many dates to document however here are a few XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/XXXX, on and on. In addition they have called my ex-husband, my daughter, one of my sons and a sister. I have repeatedly asked them to tell me who they are, who the collector is, and asked them not to call me and my family. They refuse to divulge any information until an address is verified and they get the last 4 numbers of my SS number. I am not comfortable with this due to having my identity " stolen '' through health insurance company, XXXX breach and IRS breach. 
I decided to finally give the info and attempt to work out an agreement. It was a male caller with a XXXX name that I unfortunately did not write down. I gave him a bit of push back regarding my SS # but then gave it. He spoke so fast I could barely follow his script. He was aggressive and harassing in his manner and statements. Repeatedly saying " this is a breach of contract '' I told him I fully understood what this was and he had made the statement 6x and to please stop because it was completely unnecessary and harassing. I asked him if I could just set up a payment arrangement or did he have to send me paperwork. He again spoke so fast I could not follow and again began with harassing statements. I told him I was about to hang up and I didn't want to speak to him. He told me to hold on and he would get a supervisor on the line. I held on for several minutes and he kept coming back saying hold on. I told him I was about to hang up. He again started with his script and I hung up. I called back to get the company name and address and was hung up and disconnected. It took two additional calls to get the information.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX XXXX This account was opened without my consent. Allegedly this account is a secured credit card and is over the limit by XXXX. I have worked with credit reporting agencies to resolve this and have been unsuccessful
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.