davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : XXXX Balance {$150.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX 

XXXX XXXX
Consumer complaint received 2020-10-16
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: I.C. System, Inc. (VA)

I had an account with ic collections agency for circa {$260.00}. I saw that the original creditor was XXXX and they informed me the amount was {$340.00}. So I paid them on XX/XX/XXXX. I disputed the amount both with the company and the 3 bureaus. Both XXXX and XXXX updated it to XXXX $ while XXXX correctly knocked the debt for inaccuracies off. I have since disputed every month with both bureaus, and the collections agency, and they report this collections is somehow valid and active. 
I've disputed with the company with the receipt only to be ignored. The agency has shown inaccuracies in the dates, failure to communicate, inaccuracies in their reported amounts, and failure to acknowledge my receipt.
Consumer complaint received 2017-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kimball, Tirey & St. John LLP (CA)

The XXXX . located in XXXX, CA. The Manager or Leasing Specialist of XXXX . was notified that during the time when the apt . unit was flooded with water from the HVAC system of the building I had to look for a place to reside for about a month. I did not occupied the apt . unit because their HVAC system is not operational in my apt . unit. After the repair and clean up period, my apt . unit was not in livable condition the apt . unit had a bad odor due to the water that sipped into the carpet and the odor can cause illness and disease. I have informed the XXXX . manager about this and she agreed that I will move out of the apt . and I will not be able to get my deposit money back because she will apply it as payment for the month that they were fixing and cleaning the apt . unit. I had a rental insurance provided by the XXXX . Leasing Specialist before moving in.I did not file for the rental insurance claim although I have electronic equipments that were damaged during the water leakage from the HVAC system in the apt . unit. 
Please provide the receipt of the deposit I made to the XXXX . and the maintenance report of the HVAC system of the apt . unit I was occupying at that time. 
I do not have any contract signed with the collections agency and the XXXX . manager should provide and disclose the cost of the repair of the HVAC system of my apt . unit and indicate if this was filed as a deductable in thier accounting books for their company 's tax purposes. Furthermore, the deposit money i made seems non-existent.
Consumer complaint received 2022-02-07
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)

XXXX is falsely reporting late payments on an installment account that was under the protection of the Cares ACT. I have letters from XXXX dated XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX I even opened up XXXX complaints regarding the following issue. I had contacted XXXX requesting Covid relief for an installment loan that I currently have with them. I was offered a loan modification agreement to help ease the burden of the payment during the worldwide hardship we were all experiencing. I was assured that late payments would not be reported negatively nor that late fees would be accessed. I reported to XXXX that I did not live at an address they had on file and that I needed the documents to be mailed to my current address. I was told that the documents would in fact be sent to the address I provided yet I never received them. I stayed in contact with XXXX because the modification agreement never arrived and they were time-sensitive. I made this initial contact with an XXXX representative by the name XXXX XXXX XXXX assisted me in opening up XXXX cases regarding the late fees and payments that were on my account at the time. My credit report shows 120 days late and that is absolutely not true. I wrote to XXXX showing them I had made the payments for the months of XX/XX/XXXX and XX/XX/XXXX. In XXXX they did waiver the late fees and yet did not reverse the late payments. This is false and inaccurate reporting. In all of the correspondence from XXXX that I mention above, they apologize for the confusion and the lack of good customer service. I can provide copies of all the letters and statements to show that I was under the protection of the Covid relief and that it was XXXX that did not update my address and continues to ignore the proof I have sent them. The sad part is I have been with this financial institution since XXXX. I have never paid late or even given them any kind of issues. We were all impacted by the Pandemic and this is unacceptable. I have always paid for everything on time. I demand that my record be reported correctly and these late payments are deleted. I am prepared to take all necessary steps to correct this situation. It is impacting my life terribly. All calls are recorded. I demand the calls be pulled! I was promised and assured that the late payments would not be reported nor would late fees be accessed. I have a call log of when I called XXXX. I will gladly send the log to the Attorney Generals ' office or anyone office. This is impacting my life horribly.
Consumer complaint received 2015-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (FL)

I have an eviction account that was sold to a collection agency at XXXX separate times and the CA is reporting the balance due as XXXX complete separate accounts. Let me explain, I lost my job a while back and was left moving back to my moms with no income, hence the eviction. After the eviction The apartment complex had XXXX bill for the amount of {$920.00} and sold it to the Collection Agency, a few months later I 'm assuming after final court fees were assessed another bill was sent but I still was with out work and unable to pay. So at that time that bill was also sold to the same collection agency for an amount of {$1600.00} ; this balance how ever already includes the original balance due of {$920.00} plus the fees. Now the collection agency Is reporting it as XXXX separate account for a total a balance due of {$2600.00}. 

I do n't have court documents as I moved out from the apartment, I do how ever have the XXXX bills and the proof of the XXXX balances from the CA from when I requested account verification. 

I was able to catch the mistake because the XXXX account verification from the CA came with a copy of my lease and statement ledger showing the accrual fees totaling {$920.00} acknowledging the XXXX debt. 

But at the same time the CA also sent me the XXXX bill with another copy of my lease and a copy of the same statement of ledger but this time they included the XXXX page of the ledger showing the continuation of accruals from where the XXXX bill left off of at {$920.00} for a total balanced owed of {$1600.00}. Now the CA is now reporting separate accounts for an entire total of {$2600.00}. 

You could imagine why I do n't want to agree to anything as I would be agreeing to pay a portion of this debt XXXX not to mention the havoc this is doing on my credit. 

I sent all copies to the XXXX credit bureaus XXXX are n't even reporting the debt but XXXX is and its still on there after they investigated. Now I believe this is because I requested a verification of accounts and not a correction of balances and reporting. I am also assuming the CA can verify the XXXX accounts because..well..they bought XXXX accounts to show proof of. 

This is where my dilemma is ... not sure what step to take next with out making things worse for myself. I also contacted a consumer attorney briefly over the phone and of course the cost of hiring one will be more than the debt itself. Any help is greatly appreciated.
Consumer complaint received 2024-02-12
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. (SC)

I never had a contract with this debt collector for any debt. Nor do I ever remember ever being late or missing a payment on this account. I requested proof and validation that this debt is mine but have not received anything in return
Consumer complaint received 2015-05-06
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was scammed by another Bank of America client through wire transfer, however, failed to file police report due to insufficient information about scammer. I told BOA my situation to cooperate with police, however, I was told there is nothing they can do, refused to release any information, and would not start any investigation internally.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-05
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX {$1700.00} 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (MA)

Credit report check revealed {$1000.00} owed to Debt Recovery SolutionsCalled DRS and was told it was for an old XXXX Account. 
Called XXXX, they have no record of me owing any money. I still have XXXX to this day with a XXXX balance ( home services ).
Consumer complaint received 2022-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX is falsely reporting late payments on an installment account that was under the protection of the Cares ACT. I have letters from XXXX dated XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX I even opened up XXXX complaints regarding the following issue. I had contacted XXXX requesting XXXX relief for an installment loan that I currently have with them. I was offered a loan modification agreement to help ease the burden of the payment during the worldwide hardship we were all experiencing. I was assured that late payments would not be reported negatively nor that late fees would be accessed. I reported to XXXX that I did not live at an address they had on file and that I needed the documents to be mailed to my current address. I was told that the documents would in fact be sent to the address I provided yet I never received them. I stayed in contact with XXXX because the modification agreement never arrived and they were time-sensitive. I made this initial contact with an Executive representative by the name XXXX XXXX He assisted me in opening up XXXX cases regarding the late fees and payments that were on my account at the time. My credit report shows XXXX days late and that is absolutely not true. I wrote to XXXX showing them I had made the payments for the months of XX/XX/XXXX and XX/XX/XXXX. In XXXX they did waiver the late fees and yet did not reverse the late payments. This is false and inaccurate reporting. In all of the correspondence from XXXX that I mention above, they apologize for the confusion and the lack of good customer service. I can provide copies of all the letters and statements to show that I was under the protection of the XXXX relief and that it was XXXX that did not update my address and continues to ignore the proof I have sent them. The sad part is I have been with this financial institution since XXXX. I have never paid late or even given them any kind of issues. We were all impacted by the Pandemic and this is unacceptable. I have always paid for everything on time. I demand that my record be reported correctly and these late payments are deleted. I am prepared to take all necessary steps to correct this situation. It is impacting my life terribly. All calls are recorded. I demand the calls be pulled! I was promised and assured that the late payments would not be reported nor would late fees be accessed. I have a call log of when I called XXXX. I will gladly send the log to the Attorney Generals ' office or anyone office. This is impacting my life horribly.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC (MD)

I've been trying repeatedly to get this incorrect info off of my credit report. Please investigate the date of last activity. Please only respond to me through CFPB portal. Communication by any other means will be considered harassment.
Consumer complaint received 2016-06-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bleier & Cox APC (CA)

BLEIER & COX APC is misrepresenting and falsely claiming that they were retained by XXXX XXXX to collect a debt owed by me to XXXX XXXX. This law firm has been threatening to contact my job to garnish my pay. The fact of the matter is that this debt was paid in full and the statues of limitations to legally collect anything had long expired. They have sent me letters indicating that it is a court document which is false. The document/letters they sent me has no official stamp of authentication from the superior court of california. I have attached such a letter from this law firm. The firm is also claiming to be a law firm, but my investigation has determined that it is a paralegal firm using an attorney 's name. I want them to cease and desist. My option is a counter suit for violations committed. Have seek the counsel of an attorney who sues for violations of the FDCA they indicated that I have a very good case.
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, I called Wells Fargo Auto to pay off my Auto Loan because I was unable to pay off the loan offline due to their system not allowing that. They confirmed the pay off and gave a transaction number of XXXX. The amount ( {$42000.00} ) was debited from the account on XX/XX/XXXX as well as an " interest adjustment '' of {$150.00}. On XX/XX/XXXX, the pay off was reversed for some reason. They said it was because the account information was incorrect, but it was not. Since XX/XX/XXXX we have been getting charged $ XXXX AND they charged us back the {$150.00}. I went into a WF branch on XXXX and after working with them for over an hour, they advised sending a cashier 's check to pay off the loan which is what I did. I am requesting the {$150.00} amount as well as the $ XXXX interest be returned to us as there was a clerical error on their side that reversed the payoff amount. They do not want consumers to pay off their loans because they want to continue collecting interest. They also should have allowed this payoff to occur online vs. calling in.
Consumer complaint received 2023-04-05
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. (TX)

My name is XXXX XXXX. In the month of XX/XX/2023 I noticed information on my credit report that does not belong to me. The accounts and and Inquiries included in this report if Fraud. They are not mine.
Consumer complaint received 2017-03-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

On XX/XX/XXXX, 2016 PennyMac was denied in a motion to served in or transfer the alleged debt, in violation of the FCRA, FDCPA and FTC. 
In violation of United States Constitution, then wish I do not owe any think. They are about to submit fraudulent documentation to United States Bankruptcy Court case # XXXX. 
Sincerely / XXXX/.
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/2023 at XXXX XXXX  I received a request for XXXX from a person perpetrating my brother through messenger. They asked to borrow XXXX and will pay me back. It show me a picture of my brother in the bed with a blue do rag on. That did not appear to be uncommon for my brother, because that is what he wear all the time. My brother XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX that almost took his life so I really felt he could possibly be in need of money. They asked for me to send it to a XXXX XXXX which is his wife XXXX family name so I didnt think twice about it. I sent the money and then call him to see if he received it but when he did not answer, I called his wife. I explained what happened and she said my brother was at work and they do not have a XXXX XXXX in their family and do not know who that is and I have been scammed. I immediately contact Cash App Support, and was given the runaround. The support chat advise me to contact block law enforcement response team. I contact them and was given a confirmation reference # XXXX  I also notified my XXXX XXXX Sheriff Department XXXX XXXX XXXX on XXXX XXXX my @ XXXX and spoke with XXXX XXXX and was given case # XXXX  - XXXX and assigned Investigator XXXX XXXX. Investigator XXXX submitted a subpoena to Cash App MessagesLaw an enforcement portal on XX/XX/2023 waiting for a response. I called today XXXX XXXX for an update and was told he submitted a 2nd subpoena.