davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-20
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: Advantage One Credit, LLC (FL)

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : XXXX XXXX {$100.00}, XXXX XXXX XXXX XXXX, XXXX XXXX {$3100.00} To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim such as I owe an amount of {$100.00}, {$760.00}, {$3100.00},. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2017-08-20
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)

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim Such as I owe an unknown amount. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do n't continue to repost something on my credit that does n't belongs to me. You 're breaking the law. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2020-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

According to my credit report, I have an account with JEFFERSON CAPITAL SYSTEMS XXXX. I am very confused about how I ended up with not only an unauthorized soft inquiry, but also a debt of {$980.00} that I somehow owe to JEFFERSON CAPITAL SYSTEMS even though I've never done business with them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
I do not, nor have I ever held an account with JEFFERSON CAPITAL SYSTEMS. I have never signed any kind of physical agreement to pay this amount to JEFFERSON CAPITAL SYSTEMS, nor has the  debt been verified on my credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that all three bureaus have on file of the accounts listed above because their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the bureaus ( along with collection agencies ) are unable to provide me a copy of verifiable proof, they must remove the accounts listed above. I demand the following accounts be verified or removed from all three bureaus immediately.
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I sent multiple letters to Experian in regards to updating my information. In the letters I have sent to Experian, I provided them with the required documentation to change the incorrect information, which was a copy of my drivers license. Still to date, they have not responded or updated the incorrect information on my credit report.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (CA)

To whom this may concern, I am writing this letter in order to dispute the collection account on my credit report. The collections from Aldous and Associates, originally from a debt by XXXX XXXX. 

I obtained a year membership with the fitness agency XXXXXXXX XXXX on XX/XX/XXXX and. However, I never agreed to extend my membership beyond this point. Moreover, Gyms were closed during the Covid 19 pandemic due to stay at home orders. XXXX XXXX  did not open again until the date of XX/XX/XXXX. Which is 2 months after my one year term. I never agreed to extend my membership beyond the one year mark.
Consumer complaint received 2017-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

Owing a final balance of {$600.00} as per my recorded telephone conversation in which the final balance was disclosed I advised XXXX XXXX XXXX loan company that I would be requesting a payment reduction or payment arrangement because due to the loss of my home I would be experiencing financial hardship for a short time and on discussing this, the company proceeded to initiate an illegal repossession of the vehicle and on top of it are claim XXXX more than what was owed as I only had ( XXXX ) payments to make before the vehicle was paid off in full. 

I inspected a copy of my credit reports and find that XXXX XXXX are reporting inaccurate balance owed as I only had ( XXXX XXXX payments to complete the purchase which does not add up to the balance they are reporting. 

I request full debt validation from this company included conversation logs as per literate the companies telephone procedure for incoming and outgoing calls. I find XXXX XXXX XXXX business practice to be dishonorable at the end of their contracts and they have integrity for this reason along with counsel i will do my own investigations into the balance owed as a result to their illegal repossession of my vehicle.
Consumer complaint received 2017-08-20
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. (TX)

XXXX inquiries on credit on transiuion that. I was victim of them placing and removing and replacing on my report and the refuse to remove them. Or take care of this issue! Please fix this!
Consumer complaint received 2017-01-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Every Day Portfolio recovery services calls to collect a debt for a Mastercard that is not mine. Every day they ask if the last XXXX of my social security is XXXX or something like that. Every day I say no it is not. They say we will call back tomorrow or are rude after that. Then hang up. Every single day. It is not my debt. I will never be the XXXX XXXX they are looking for. It is harassment to call me every day and I am tired of it.
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

XXXX is XXXX is still reporting bankruptcies that came back from the courts unverified and after the proof were sent to them they are still reporting them and stating that it is accurate when in fact it is not. I tried to resolve this with them and they have not provided any validation or proof.
Consumer complaint received 2017-10-20
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: Experian Information Solutions Inc. (CA)

On XXXX XXXX, 2017 I sent a certified letter ( XXXX ) to XXXX XXXX requesting to have my debt validated via in writing to my current address. In the letter I also stated If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. It has officially been over 30 calendar days and I have not heard back from the agency. I am now requesting to have the alleged account XXXX deleted from my credit report immediately.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Experian removed negative information from my credit in XXXX, XXXX XXXX XXXX was removed and put back on my credit in on XX/XX/XXXX causing my FICO score to drop a XXXX points, I would like to know how this information was verified and by who an each individual involved in the process. While the investigation is on going my credit report in reporting negative information since XX/XX/XXXX please remove immediately.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im 4 business days of receipt
Consumer complaint received 2022-03-10
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: EQUIFAX, INC. (VA)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of account to be deleted. 
XXXX XXXX, XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Thomas Kerns McKnight, LLP (CO)

I first reached to Thomas Kerns McKnight around XX/XX/XXXX to enquire about their debt consolidation program. 
When I first spoke on the phone with them, they explained that after I make payment to them each month, they would pay my creditors and help me pay off my debts. This would result also in an increased credit score. My first payment was made on XX/XX/XXXX. 
In reality, after being 21 months with them, I ended up canceling the contract on XX/XX/XXXX. They had never paid my creditors, I ended up having XXXX of them take me to XXXX ( XXXX XXXX ). All the other accounts went to collection, or were closed by the creditor, and it was a charge-off. All the balances are now higher, my credit score dropped. I also had to pay a monthly {$49.00} administrative fee ( over 21 months, this amounted to {$1000.00} ) while no service was rendered. This has created a lot of stress and had a very negative emotional impact on me. I still dont know how I am going to resolve the situation with each creditor. I initially trusted them and believed they would help me, I was still current on all my accounts at the time. I only realized after I canceled the contract, that exactly similar complaints had been submitted to the XXXX XXXX XXXX  against that firm.
Consumer complaint received 2017-05-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Delta Outsource Group, Inc. (WA)

Harassing phone cal ls from Delta Outsource Group b y  XXXX   XXXX  who claims they are representing   XXXX   XXXX   XXXX   XXXX  .
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.A.Rogers, Inc. (NM)

I just recieved today XX/XX/XXXX a notification from a debt collection Agency : R.A.Rogers INC. The original debt from XXXX XXXX XXXX was for {$340.00}. They would not accept payments and wanted a payoff, I was not in a position to do that, I dont earn enough right now for my cost of living and present bills, I do not have {$340.00} to spare in one lump sum. The bill got ignored for XXXX as I couldnt possibly manage to sum up the full amount. Today the notification from the debt collection agency and they have added a whopping {$560.00} to the debt. Almost twice as much as the original debt, and now triple the original amount oweing. I simply can not comprehend how they think their fee can equate to {$560.00}, Ive never known an ageny to add so much to a debt before, and this isnot my first collection process. Is it even legal to add fees, I know they cant add interest but our fees acceptable? Theres absolutely no way I can afford {$900.00}, Im out of my mind right now! Please help!
Consumer complaint received 2017-10-21
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. (CA)

XXXX XXXX XXXX dated XXXX/XXXX/XXXX, file number XXXX, letter states that I 'D Theft Afidavit from Police Report, and does not meet their standards as a valid Identity Theft Report. XXXX XXXX and XXXX, accept the information as well as resolved the issue, why would XXXX XXXX have a different standard, and not except the same information that has been approved and processed by other CRA 's
Consumer complaint received 2017-10-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ENOVA INTERNATIONAL, INC. (CA)

Cashnet USA claims a payday loan which is not mine, I sent it Id theft affidavit, they responded that XXXX my responsibility I filed additional complaints as requested proof of loan docs that they had 15 days to provide and did not, I asked them to remove again XXXX/XXXX/XXXX, and have not contacted me with status and left several voicemail response with no return update
Consumer complaint received 2024-02-24
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. (AL)

Equifax is reporting inaccurate information on my credit report in violation of METRO2 COMPLIANCE AND in violation of 15 USC 1666b ( a ). I am in the XXXX XXXXXXXX XXXX XXXX XXXX please remove and update all alleged late notations too PAID AS AGREEDED NEVER LATE IMMEDIATELY.
Consumer complaint received 2017-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

On XXXX/XXXX/XXXX, I received a debt collection notice for {$1300.00}. Because I was clueless about the specifics of this debt, I immediately called the Credit Collection Services company and was instructed by a supervisor to submit a form to them via their website platform disputing the validity of this debt. This was on XXXX/XXXX/XXXX. Today is XXXX/XXXX/XXXX and I have still not received the information I requested and it has been more than 30 days after my initial letter disputing the validity of this debt. 

On XXXX/XXXX/XXXX, I received another letter dated XXXX/XXXX/XXXX from the Credit Collection Services. I immediately called them and informed them that I submitted to them a request for validation and more information about the specifics of this debt. The representative did not address my concerns. I want to know what exactly this debt is for in very specific detail. I have every right to request this very important information. 

This is not the first time this company has failed to address my concerns after me making every effort to reach out to them. I would like for this company to address my request for more information and or to cease their collection efforts.
Consumer complaint received 2017-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I tried to freeze my credit at freeze.equifax.com on XXXX/XXXX/XXXX. I entered all my information, got the following on the next page once I submitted it " We are currently unable to service your request. 

Please try again later. '' Worked OK at all the other bureaus. Thanks for your help
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (MT)

I 've had a credit card with Wells Fargo for over XXXX  years, and just found out it the account was closed on XXXX/XXXX/XXXX. I have not used the card for over XXXX years, and when I called the Credit Card services division of Wells Fargo to inquire about the status of the card after finding out from a branch banker that it was n't active, I was told that the account had been " closed by the consumer ''. I am the consumer, and I absolutely did not close this account. After further requests, I was later told the account was actually closed due to lack of use, something I was absolutely never made aware was impending or had been completed, despite the claim from Wells Fargo that they sent XXXX letters on separate occasions to notify me of their intent to close this account. 
I am aware of the benefits of having long standing good credit, and this card was XXXX of the primary tools I 've had in my credit portfolio for over a decade. I currently am in possession of a Wells Fargo XXXX XXXX card that does not expire until XXXX XXXX, and am fortunate I did n't attempt to use this card as it has been closed for almost a year and a half without my knowledge.