davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
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: National Credit Adjusters, LLC (TX)

This is for Acct starting with XXXX ( XXXX ) I sent a letter via certified mail delivered on XX/XX/XXXX to National Credit Adjusters regarding a collection being reported on my credit report asking for validation of purported debt, to include relevant information that is required to be furnished by law : Copy of orig. contract Name and addr. of orig. creditor Name and addr. of alleged debtor Amount owed Full acct number Date acct open Date of last payment Date of first delinquency Complete acct activity Proof that this debt was sold to the company, and that they have the legal authority to collect the debt I had not received a response for well over one hundred and fifty-five days since National Credit Adjusters got my request to validate this debt. On this basis alone, the account should be deleted from my credit report since it is in violation of my rights under the Fair Credit Reporting Act. I have the cert mail receipt to show that it was received. Today, I was provided with the attached. This is not an acceptable validation that the debt belongs to me for the following reasons : 1. Nothing was provided that constitutes proof of the purchase of purported debt from the original creditor. 2. This is not my account, and I did not sign this document. 3. The address indicated on the document is not mine. 4. The bank account on this document is not mine. 5. The amount owed listed on the document is {$530.00}, but the amounts broken down in the document do not equal {$530.00}, AND the amount being reported on my credit report is {$590.00}, your response letter also says a different amount of {$590.00}. Also, the date last active had been updated to XX/XX/XXXX, which is re-aging, and is unlawful and a violation of the Fair Credit Reporting Act. I kindly ask that this account be deleted from my credit report at all CRAs, and all contact and collection attempts stop. Upon a response to this complaint, if this is not resolved as per the law requirements, my next contact will be the Federal Trade Comm, XXXX XXXX XXXX, the XXXX, social media, and the media. I will pursue legal action for damages if necessary.
Consumer complaint received 2024-03-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (PA)

I submitted a document from the consumer protection act stating that that account was inaccurate and needs to be removed around XXXX of XXXX, In XXXX of that year the account was removed. Not only have they tried to return it to my credit, they have increased the amount again. This is an illegal act of the credit collections agency to get paid for a debt that has been satisfied. If you look at my credit report in all of XXXX, you will not see this account, they even tried to update it as if I just went delinquent on it, that account is over six years old. The original date of this account was in XXXX, not XXXX. 

In the attachment is the template of the letter that I sent them. I sent them the original so I do not have a copy of that.
Consumer complaint received 2021-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please take notice that I XXXX XXXX XXXX, am a victim of identity theft. I viewed my credit report file with XXXX  and I am horrified that someone stole my personal information to commit fraud and as a consequence, there are multiple collections accounts on my file. From any perspective, this is an intimidating and overwhelming process. On XX/XX/XXXX, I completed an identity theft report on www.identitytheft.gov. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result 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. 

There are 10 dishonest hard inquires that need to be removed, suppressed, disputed and blocked from my credit report, see below : I. XXXX  Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX  XXXX  XXXX Inquiry date : XX/XX/XXXX V. US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX VI. XXXX Inquiry date : XX/XX/XXXX VII. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX There are 3 fraudulent accounts on my credit report that need to be removed, suppressed, disputed and blocked : XXXX XXXX XXXX, Opened XX/XX/XXXX, Account number : XXXX Amount : {$6100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Opened, XX/XX/XXXX, Account number XXXX Amount : {$5400.00} XXXX XXXX XXXX Opened XX/XX/XXXX, Account Number : XXXX  Amount {$1900.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Amount {$1900.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. These phones itself are a violation of the FCRA.

To my knowledge, section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-06-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (IL)

This company Ability recovery service continues to report false information on my credit report about me! I have no knowledge of the account or the amount they say I have to pay! Youre violating ( FCRA ) by reporting false information about me on my credit report and continue to do so on a weekly bases. I have no account thats open with them nor do I know where the account came from! I will file a civil lawsuit next!
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

My credit card was lost or stolen. I called and reported my card as stolen. 
Somebody stole my credit card. When my statement came I saw there were transactions that I have never made. I reported my card as stolen, but the transactions and the balance were never removed from my name. Now, I am in dealing with Midland Credit Management as they are charging me for transactions that I never made.
Consumer complaint received 2023-03-01
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)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX US DEPT ED XXXX Balance Owed : {$3800.00} US DEPT ED XXXX Balance Owed : {$6300.00} US DEPT ED XXXX Balance Owed : {$3300.00} US DEPT ED XXXX Balance Owed : {$3400.00} US DEPT ED XXXX Balance Owed : {$1900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$1800.00} XXXX XXXX  XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX XX/XX/XXXX
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I went online on XXXX XXXX XXXX and went on chat with an Apple store online specialist to to a trade-in, I gave him/her the serial number of my trade-in and asked what laptop I wanted for the trade-in, so I gave the specialist that information and was advised that he/she will create a bag for me to check out with the trade-in credit amount of my trade-in. I did just that and used my apple credit card to pay for the difference of the trade-in. All is well and I picked up my new XXXX XXXX and waited for the trade-in box that the Apple store sent me to ship my trade-in XXXXXXXX XXXX XXXX. After some time I was shocked that I was charged by Apple credit card the {$760.00} credit value of my trade in. I called right away but Apple failed to open a case for me after they promised to research and follow up. I filed a dispute with Apple card explaining my side and told them I am at no fault. I followed all steps that the apple online specialist told me to do. All is well until I got an email that I didnt win my dispute evern after not having my trade in XXXX XXXX back, I re-opened the claim again as this is getting out of hand and Apple will not admit to their error/mistake, Apple store is claiming i cancelled the trade in, which I did not!
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Dear Sir/Madam, I am writing to request the immediate removal of credit accounts associated with XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated. 



Sincerely, XXXX XXXX
Consumer complaint received 2021-06-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My Capital One Essential Checking account was recently automatically converted to a Capital One Simply Checking account about 3 weeks ago. When this happened, my checking account was no longer connected to my Capital One 360 savings account. Because of this, I am not able to take any money out of my savings accounts. I have called several times for a resolution beginning over 2 weeks ago. I have important financial events coming up that require the use of my savings but am unable to withdraw anything.
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NJ)

I reported a fraud on my social security about an identity theft, which I repoto the relevant authority not only to see those unauthorized transactions on credit reports, both are comnity capital bank, I never apiece for any card from.them.
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Synergetic Communication Inc (WA)

I received a validation letter on XX/XX/2022 from Synergetic Communications.They are representing another collection agency, XXXX XXXX in an attempt to collect on a debt unknown to me. They seem to have checked all the boxes prescribed by the CFPB regarding the format of the letter. What they appear to be doing is attempting to deceive people by : 1. Placing a small paragraph on the back of the letter, in small print, explaining that this loan is uncollectible through the courts because of the Statute of Limitations on the loan. The paragraph is not upfront like the other items in the letter, in an attempt to conceal this information from the recipient. 

2. As this debt can not be collected through the court, Synergetic Communications attempts to stress and intimidate people into a blunder which might cause the debt to be reinstated, thus manipulating people in an unfair, underhanded manner. 

3. This letter preys upon people who are ignorant of their rights, ignorant of the laws that protect them, particularly the elderly. For example, if a person was aware enough to discover the small paragraph on the back of the letter, they might conclude they didn't need to do anything as the debt is " uncollectible '', in court. Synergetic Communications does not go on to explain if they receive no response, other harassing measures will be taken by the company.
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am denied every time I ask for a loan or credit card increase. I received a few letters that explained why and yesterday, I received one that mentioned " key factors that adversely affected your credit score. '' - SSN LIKELY INVALID - LACK OF HISTORY AT THIS ADDRESS - LACK OF HISTORY AT THIS PHONE - INQUIRIES DID ADVERSELY IMPACT SCORE with XXXX. 

Today I received another one that gave me a credit score of XXXX with XXXX. 
This is impossible and shocking. 

I called each reporting agency, and nobody could help me, as always. When the subject of the call is about your three-digit score number, we always receive the same answer from all credit bureaus ; " I don't know why sir, because it's an algorithm, so we do not have a control over your credit score '' or " I have no access your credit score, you need to pay {$990.00} to have it. ''
Consumer complaint received 2019-08-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (IN)

I called and tried to pay and they refuse to take my payment because it is a partial payment. I want to pay them it says on my statement that any amount received less than the full amount will be applied into a suspense account until the full payment is made but they will not let me do this
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am denied every time I ask for a loan or credit card increase. I received a few letters that explained why and yesterday, I received one that mentioned " key factors that adversely affected your credit score. '' - SSN LIKELY INVALID - LACK OF HISTORY AT THIS ADDRESS - LACK OF HISTORY AT THIS PHONE - INQUIRIES DID ADVERSELY IMPACT SCORE with Equifax. 

Today I received another one that gave me a credit score of XXXX with XXXX. 
This is impossible and shocking. 

I called each reporting agency, and nobody could help me, as always. When the subject of the call is about your three-digit score number, we always receive the same answer from all credit bureaus ; " I don't know why sir, because it's an algorithm, so we do not have a control over your credit score '' or " I have no access your credit score, you need to pay {$990.00} to have it. ''
Consumer complaint received 2022-07-07
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. (NC)

In accordance with the Fair Credit Reporting act, the following XXXX Account has violated my rights. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXXE Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXXccount # XXXX XXXX XXXX  Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2019-08-01
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)

Electronic - XXXX verification Portfolio Recovery account number:XXXX {$2100.00} In may, XXXX and XXXX of 2019 I requested verification according to the FCRA section XXXX ( a ) ( XXXX ) ( A ) - through the physical verification of an original signed consumer contract and have not recieved a proper investigation or the requested documentation.No method of verification has ever been disclosed or shown and this violation continues to cause damage to my report.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act, the following XXXX Account has violated my rights. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX 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 an account without my written instructions.