davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

I am a single mother of XXXX children under the age of XXXX. 

I had signed a new contract with XXXX XXXX XXXX XXXX on XX/XX/2020, due to a separation divorce on my end. 

On XX/XX/XXXX, two weeks after signing the contract, I reached the office in person, spoke with their assistant manager, surrounded the apartment, gave them back the apartment keys. Also, I explained that my current self-employee job and workplace were being shut down and closed due to COVID-19 until further notice ( letter received from my workplace/ the landlord was on XX/XX/XXXX ). 

I informed them that due to the uncertainty of the current global situation, I would surrender the apartment because of job loss and hardship. On XX/XX/XXXX, I received their final " Move-out '' statement dating the " cancellation charge date as of XX/XX/2020 '' and the move-out date " XX/XX/2020, '' with an outrageous final charge of {$6900.00}. 

I had called them several times to speak to the manager in charge, not the assistant manager ; it was denied, according to them, because the case was closed and on the way to collections. 

On XX/XX/XXXX, XXXX, I sent an email to their local and corporate office asking them to have these charges removed in good faith and stop the collection process because of the COVID-19 PANDEMIC situation, me not being in the apartment, not even a month under the contract.

Also, I informed them that the contract stated that violates the spirit of the force majeure clause of the agreement ( Due to an unforeseen- CORONA-19 virus ). And, it also is unconscionable during this unprecedented pandemic. 

No responce from them, or corporate. Now my credit is ruined. I am unable to rent anywhere else because of the collection debt on my account.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I'm trying to protect my credit file so I'm requesting a security PIN from the bureau 's ( XXXX, XXXX, Trans Union, XXXX XXXX, XXXX, and XXXX ) y name that is associated with my credit file is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I sent this company a letter disputing several incorrectly reported items on my credit report. Correspondence dated XXXX XXXX, 2017, informed them of the accuracies and violations of the FCRA resulting from their negligence and none compliance. There had been inaccurate and incomplete information from the account opened date, closed date, payment history, balance and the highest balance being reported. There are even items that have been removed from the other credit repositories that this company did not. What documents did you use in your investigation? I definitely need a copy of that. The verifying documents that only this company was able to acquire or was only provided to this company. Why and how this company was able to acquire those documents and verify these pieces of information is a mystery since other bureaus are not able to. This obviously looks like a violation of FCRA, Please see attached copies of the letter I am mailing them again.
Consumer complaint received 2019-08-14
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: Credit Technology, Inc. (CA)

Good morning, I'm contacting you guys about a matter that's been going on and still I have no results. I happened to check my credit report on XX/XX/2019 and noticed a company that was on my report through XXXX. The customer service rwp asked if I filled a tenant application for a apartment in XXXX, Ca I told her no and that I'm miles away from that city. I was told to call the company which I did and spoke to someone named XXXX. She told me to hold the line and she transferred me to that correct department to speak to a XXXX. I explained with a brief message what's going on and how I need a letter from them to send to XXXX to get this off my report asap.I still haven't received a message from this company I call them at least 1 to 2 times a week with no results. I have put in a complaint w/ the XXXX also w/ Department of Justice they tell me tjat it's being worked on. I do have proof of these letters from both departments. I did explain also that the XXXX and on this company website Credit Technology Inc is nothing but complaints reagrding the same situation I'm gooing through and more. I really need help with this XXXX is asking me for a letter that I can't even get through this bogus company to have removed from my credit report. This company needs to be investigated ASAP this is not right for us consumers.
Consumer complaint received 2021-03-26
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: ENCORE CAPITAL GROUP INC. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-08-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (ME)

Complaint against Midland Funding 1. On XX/XX/2019 I was officially served a complaint for debt incurred and unpaid by a process server from XXXX/XXXX, XXXX representing Midland Funding LLC. 
2. On XX/XX/2019 I sent in a formal request for debt validation 3. On XXXX I received a letter from XXXX XXXX, XXXX that contained a cover letter addressed to me that stated We acknowledge receipt of your validation request. Enclosed is our response. The enclosed documents did not contain any form of debt validation but another cover letter for another consumer not associated with me at all and an affidavit of fraud. Its clear that my information and hers were mixed up and my debt validation letter and personal private information was sent to the 3rd party without my consent. 

I have no recollection of this debt and my attempt to obtain more information about it only led to personal and private information being leaked. Due to this unfortunate and harmful incident, I did not contact the law firm out of fear of incompetent attention to detail by midland funding and their representation leading to further harm to my reputation. 

Midland Funding and representation has violated both the fair debt collection practice act and Maine State Fair Debt Collection Practices Act Chapter 109-A 11012 # 3 Communication with 3rd parties which  states Without prior consent of the consumer given directly to the debt collector, or the express permission of a court competent jurisdiction, or as reasonably necessary to effectuate a post judgement judicial remedy, a debt collector shall not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorneys, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor or the attorney of the debt collector.
Consumer complaint received 2021-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX, XXXX  and Transunion collect to report accounts on my credit report that are and has been reported as identity theft through FTC. Inquiries as well.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CO)

I buy a home XX/XX/XXXX ( this home scamed financial XXXX XXXX XXXX in XX/XX/XXXX with fraudulent scam ) XX/XX/XXXX EQUIFAX suffer a Data Breach My SSN has been compromised XX/XX/XXXX I sended my expenses for the compromised SSN XXXX has been received in the address provided for the Administration in XXXX XX/XX/XXXX talk with XXXX and give me my codes Since this month the phone XXXX never response until XX/XX/XXXX and XXXX XXXX. 
Said : " Your File does not exist '', '' we never receive your expenses '' No matter what you will doing nothing wan na change
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

Enhanced Recovery Company is trying to collect a debt from me for XXXX XXXX {$940.00} and XXXX XXXX XXXX {$760.00} I have never used anyone of these services in my life. The only services I have ever used was XXXX XXXX, XXXX XXXX ( XXXX until XXXX ), XXXX XXXX ( XXXX to present ). This is the first I have heard of this I haven't received any bills from XXXX XXXX or XXXX XXXX XXXX on this matter. The only reason I discovered this debt I open up my account on XXXX XXXX and seen XXXX XXXX and XXXX XXXX XXXX in collection. If you check my credit report I only have one account open on my credit report because all my life I paid for everything in cash. I am pretty sure it was identity theft but this need to be cleared off my credit report and pursue who ever done this or I would be force to file a civil lawsuit on Enhanced Recovery Company for harassing me on a debt isn't mines.
Consumer complaint received 2021-12-02
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: EQUIFAX, INC. (VA)

I am requesting that all companies that I don't have business with, provide a validation and a legitimate reason why they have access to my personal business information. If there is no claim against me or no account please remove the Fraudulent Inquiries off my Consumer Report. It is causing harm to my person, as well as stopping me from getting a Fair Credit reporting. I would like to ask for a validation from All credit bureaus immediately. It is my right as a consumer to challenge anything that I deem to be inaccurate.
Consumer complaint received 2019-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY (CA)

I am a Professional, fully employed multiple business owner and employer. I have over 20 fully valid credit cards in good standing. My credit history is outstanding and I pay ALL obligations. American Express has, for reasons unknown to me, in what appears to be a deliberate move, undertaken moves that are causing me harm that I have been unable to resolve with them, in spite of HOURS attempting to do so. I have made an unprescendented effort to both understand and resolve issues with this company, and have been thus far unable to make any progress. I am a XXXX  year customer of American Express and currently hold 3 of their cards including their Platinum level cards, along with "affiliated" cards with Hilton and Delta airlines. These cards are ALL current and paid. Historically, I had a Platinum Corporate card with American Express along with an Optima card, a Delta Card, and a Hilton card. The Platinum card was on a Corporation that underwent a Chapter XXXX bankruptcy, but was current at the time and payments were being made on ALL cards. After the bankruptcy, American Express canceled the Corporate card. Once canceled, it became impossible to make payment on the account in spite of attempts to do so. I contacted American Express and explained that I wanted to clear the account. I was advised that the account had been handed over to a collection agency and that "they" would be contacting me. They would not provide the name of the Company. The Company is XXXX XXXX XXXX in Pennsylvania. I have NEVER been contacted by them. It appears now that XXXX XXXX XXXX   have canceled the PERSONAL accounts with American Express including a new Platinum account that I was charged and paid a $500 membership fee for without notice and without cause. All accounts were in good standing. The bankruptcy attorney has indicated that this is not a legal remedy for them. I want this investigated.
Consumer complaint received 2023-03-29
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. (NY)

I am writing this letter to dispute an item on my consumer report that is inaccurate and needs to be investigated and deleted from my report. The collection account in question is XXXX XXXX XXXX XXXX 

Upon reviewing my credit report, I have noticed that Experian is reporting a last active date of XX/XX/XXXX for this account, whereas XXXX is reporting a last active date of XX/XX/XXXX. This discrepancy in the last active date is causing confusion and misleading information on my report. 

I have contacted the creditor, XXXX, and they have confirmed that the account was last active on XX/XX/XXXX, which is in line with what XXXX has reported. Therefore, I am requesting that Experian investigate this matter and correct the last active date on my report to reflect the correct date of XX/XX/XXXX. 

In addition, I am requesting that Experian delete this collection account from my credit report entirely, as it is no longer a valid debt and should not be negatively impacting my credit score.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Account Number XXXX. 

Company : XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2021-07-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (MO)

The company wilshire consumer credit gave me a loan but then after late payment two different times they repossessed my car sold it at auction wouldnt let me have my belongings inside car before they sent it off to be sold then got the money for the sale and still charging me for the whole loan and interest Ive requested them to fix this many times but no luck even getting a explanation
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (CA)

Due to driving in a rental car and having a faulty transponder, a toll roads transponder payment was not initiated on XX/XX/XXXX. The first violation notice I received was a Collections Notice from XXXX XXXX XXXX, XXXX " XXXX '' in XXXX XXXX. ( Doing business at the time as XXXX XXXX XXXX XXXX XXXX - phone number is the same for both companies XXXX. ) On XX/XX/XXXX I spoke to a representative that instructed me to send in the supporting documents of my active account in good standing with the previously submitted information of XX/XX/XXXX.  Nearly two ( 2 ) years later, I received a new collections notice from XXXX ( dated XX/XX/XXXX ) for the same incident. I responded with a letter and copies of previously submitted supporting documents on XX/XX/XXXX. XXXX responded with a letter dated XX/XX/XXXX for additional information. I responded with the additional information and copies of previously submitted correspondence on XX/XX/XXXX. XXXX responded yet again with a letter request ( dated XX/XX/XXXX ) for additional information erroneous to the situation at hand. On XX/XX/XXXX I spoke to helpful representatives that escalated the call to a Supervisor. Finally, no Supervisor came on the phone, but a message from Supervisor XXXX follows : " The rental car needs to be linked to the Toll Roads account. ''
Consumer complaint received 2021-02-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

On XX/XX/XXXX while at work i received a text message with an attachment of a gulf coast collection bureau letter since i never gave Gulf Coast the prior consent to communicate with me i knew this was a scam and pursuant to 15 U.S. Code 1692c ( a ) this is a violation. In the Attachment they indicated that they were contacting me to collect an alleged debt which is a violation of 15 U.S. Code 1692b ( 2 ). I never replied to this text as I though it was a scam. Then on XXXX, XXXX while at work i received a call from Gulf Coast and pursuant to 15 U.S. Code 1692c ( a ) ( 3 ) and 15 U.S. Code 1692c ( b ) they are in violation since i never gave a third party debt collector prior consent to communicate with me specially not while I'm at work. Then on XX/XX/XXXX I received a letter dated XX/XX/XXXX and in the letter head it had a symbol that indicated the debt collector is in the collection business which pursuant to 15 U.S. Code 1692b ( 5 ) and 15 U.S. Code 1692f ( 8 ) is in direct violation of the FDCPA, furthermore they used obscene language in the letter that to me it was a threat to my reputation and pursuant to 15 U.S. Code 1692d ( 1 ) and 15 U.S. Code 1692d ( 2 ) this is a violation. Then on XX/XX/XXXX i received yet again another phone call from Gulf Coast Collection bureau will I was working at this point they are harassing me by calling me at inconvenient times and when i answer and tell them I'm busy at work they hang up which is also another violation pursuant to 15 U.S. Code 1692d ( 5 ).
Consumer complaint received 2019-08-16
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. (GA)

I had a credit account with XXXX. I returned all of my merchandise but was never received credit for the items I returned. This account has been listed as charged off and pass due on my credit profile since XX/XX/XXXX. I have the original receipt of the merchandise being picked up and returned XX/XX/XXXX. However XXXX has reported my account as never paid and charged off in bad standing. I have reached out to XXXX many times for them to please correct this error but they continue to dispute my dispute with the credit bureaus. This account has been financially crippling because of the negative impact on my credit for so many years. I returned all items as to relieve any balance with my credit account however XXXX has never reported the corrected or true balance to credit profile. And as recently as XX/XX/XXXX again denied my request to fix this untrue negative account on my credit profile. Please see attached is my original receipt for pick up and it included the serial numbers for the merchandise.
Consumer complaint received 2018-12-04
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: ONLINE Information Services, Inc. (FL)

Received copy of my credit report. Credit report shows credit inquiry from this company. I have not authorized this company to pull my credit. Need to know how and why my credit was pulled without my consent and if any new account was opened.
Consumer complaint received 2019-08-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX and XXXX are incorrectly reporting to XXXX and Experian duplicate items in the amount of {$10000.00} on the XXXX account number XXXX and the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) This duplicate reporting of the same account is harming my credit score and is a violation of the Fair Credit Report Act. This line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.