davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mountain Run Solutions, LLC (CA)

I received a collection notice in the mail from Mountain Run Solutuons on Saturday, XX/XX/XXXX, XXXX I dont have any collection accounts and pay my bills on time. I was a little bit taken aback by a collection notice. I called them to find out more information. The rep told me that this was from an old home security system that was charged off in XXXX. First of all, I pay every bill when its due. This is not my debt. However, my bigger concern is that this company used deceptive business practices to try to collect money from me. The first person I spoke with told me they have been sending notices to my home address since XX/XX/XXXX. I didnt live in this house at that time, so I knew this wasnt truthful. It was then that I was shocked by the deception and asked to speak to a supervisor. When I called back when the supervisor ( XXXX ) was on duty, she confirmed that I could be sued for this debt. But, from my research it seems its past the statute of limitations for legal action in my state. When I mentioned this, she got very defensive and said that I can report this to whoever I wanted but refused to give me an internal name I could write to. She continued to treat me as a low life person who simply refuses to pay bills by saying, you can report this to whoever you want, but you still have to pay your bills! I felt belittled by her implications. I plan to dispute this {$370.00} debt when it comes on my credit, but my bigger concern was their deceptive and bullying practices. These type of tactics can be very intimidating to the average consumer. I felt it important to notify the FTC.
Consumer complaint received 2019-11-01
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: Experian Information Solutions Inc. (TX)

I have contacted Experian numerous times yet they have failed to follow law about accounts that I am telling them I am a victim of identity theft on. Yet they sent me a stall letter stating that I disputed wrongly or mispresenation. I know what belong to me and what does not belong to me. Have never in my life health with XXXX or XXXX or any company that either of these companies represent. Yet XXXX even sent notice that these accounts did not belong to me and were being deleted but Experian failed to do so. I WILL BE FORCED TO SUE EXPERIAN IF XXXX AND XXXX IS NOT REMOVED IMMEDIATELY.I am very distressed that you have included XXXX AND XXXX information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan, which was highly embarrassing and has negatively impacted my lifestyle. With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed as soon as possible.
Consumer complaint received 2019-11-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (LA)

I moved out XX/XX/2018 when they changed management, I called to inform them of the move and wasnt able to speak to the proper person. They keep sending notices when I dont owe them anything and now theyre trying to sell my information to other companies if this dont resolve the issue I will take further actions.
Consumer complaint received 2019-11-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (IL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FMC-XXXX XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2017-08-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Remitly, Inc. (CA)

It was my first time to transact business with remitly inc to send money to the XXXX. The transaction took place on XXXX XXXX, XXXX. As part of their promo for first time clients the company 's website stated that the fee of {$3.00} will be waived as well as the dollar to peso conversion will be {$1.00} = P XXXX. I signed up and entered all my information including my debit card info. I made a transaction of sending the amount of {$600.00} to be converted to XXXX peso amounting to XXXX. Upon completing the transaction my receipt showed that the conversion was XXXX instead of the promised amount as stated. The recipient according to the receipt received an amount much lower than the actual conversion. I called the company and spoke with the rep and I was informed that it was an online oversight? And there 's no way that they can correct the mistake. The support team informed me that the difference in the amount will be added to my next transaction. I thought that it was totally misleading of the company to drive on the promo and then omit a disclaimer that there 's a chance that the promised amount will not go through after finishing the transaction.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Glasser and Glasser, PLC (NC)

Yesterday, I received a notice from the XXXX XXXX XXXX XXXX XXXX, that an collection agency named Glasser and Glasser had filed a judgment against me for a supposed debt owed to XXXX XXXX. First of all, I have no debt with XXXX XXXX, and I contest the debt. But more importantly, I did not receive a notice of my right to dispute this account, prior to being served this notice. By not receiving a notice of right to dispute, Glasser and Glasser has violated my federal rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

This account is not mine. I never agreed or sign to any agreement. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2017-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (SC)

My name is XXXX XXXX XXXX, I am writing because of a continual problem regarding a mortgage loan with Ditech Financial, LLC. I am desperately in need of a resolution as I have done everything requested of me by Ditech in order to be approved for a Deed in Lieu. It has been over a year, that I have been trying to avoid foreclosure and return the property to Ditech Financial, LLC. XXXX representatives have been very rude, demeaning, and completely disrespectful 95 % of the time I have spoken with them. Calls have stated they are being recorded, so I know there is proof. In XX/XX/XXXX I was deemed XXXX due to a work injury while working in the XXXX XXXX XXXX XXXX. Though struggling while depleting my savings, I remained in good standing with my payments until XX/XX/XXXX. During this time I have made numerous efforts to try and resolve this ; short sale, rent the home, have a married couple take over the payments, and to no avail Ditech has drawn this matter out without good reason. They have offered a modification, but that was what caused the problem only to worsen the current payments. I am in no condition to keep or maintain this property. I have vacated the premises as of XX/XX/XXXX as I could not even afford the household bills. I can be reached at XXXX by phone or by email XXXXXXXXXXXX. Since I am not at a stable location at the moment, you can also mail correspondence to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. Thanking you in advance for your immediate attention and assistance with this matter.
Consumer complaint received 2020-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent several dispute letters to Transunion on XX/XX/2020 along withProof of my identity and until this date I still have not received a response to any of my disputes. 

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I need you to please have Transunion Delete these inaccurate accounts from my reports as the Fair Credit Reporting says they should because of their lack of response to my disputes.
Consumer complaint received 2018-07-15
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. (NY)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WI)

I do not owe this debt to this company. I was only made aware when it showed up on my credit report. The company could not show proof that the debt is mine. I have no knowledge of this debt and have never had any dealing with this company. The company couldnt provide the debt {$500.00} details. I refused to give out my personal information to them.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX  XXXX XXXX  failed to send me a statement on an account that had a XXXX  balance, they charged a {$5.00} annual fee which I told them I wanted to pay all at one time and they refused to take a {$60.00} payment for the year. They then reported this to the credit bureau as a delinquent account. I had no knowledge they had charged me and no knowledge this was late. When I called on XX/XX/2020 to get some clarification they hung up on me.
Consumer complaint received 2019-11-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-11-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (SC)

On 2017 i lost my high paying job and relize i coundnt pay the same house pay i was paying so i ask for loan mod, but was turn down so i hired a Layer to no avail, my back pay was XXXX XXXXnow its XXXX
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

Upon checking my credit report, I noticed that {$5500.00} credit usage was applied on my credit report. Creditor name is COMENITYBKXXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I never apply or attempted to apply. I reported it to XXXX XXXX XXXX  Also, I called the Comenity Customer Care ( XXXX ) on XX/XX/23, but unable to reach them due to long waiting time over the phone.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-08-13
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: Kimball, Tirey & St. John LLP (NV)

XXXX has permitted the collection agency of Kimball, Tirey & St. John to report an inaccurate account on my credit reports. Upon further review, the account apparently originated from a property management company called XXXX XXXX XXXX. I have no knowledge of this account. In accordance with 15 U.S.C. 1681i ( Fair Credit Reporting Act ), 15 U.S.C. 1692 ( a ) ( Fair Debt Collection Practices Act ), 42 U.S.C. 3604 ( Fair Housing Act ), and California Government Code 12940, et. seq. ( Fair Employment and Housing Act ), please provide validation of the debt.
Consumer complaint received 2019-11-01
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-03-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Consumer complaint received 2020-05-22
Product: Credit card or prepaid 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: U.S. BANCORP (NV)

Yesterday ( XXXX ) via U.S. Mail I sent the CFPB and 2 U.S. Bank locations a copy of what I have uploaded at the time that I am filing this online. The attachment hereto shows an image of a computer disc that contains information referenced in my letter to the CFPB dated XXXX. You are not receiving the cd 's contents via the attached upload but rather should receive it via U.S. Mail. In my attachment I included a copy of the addressed and postage-affixed envelopes that I mailed a copy of what is attached hereto in yesterday to the CFPB and 2 U.S. Bank locations. On this date ( XXXX ), the same XXXX that I referenced in my letter, called me. He stated that they are beyond their timeline with Visa and that there is nothing more that he can do on his end. Since U.S. Bank failed to process my dispute correctly and wasted a lot of time, they are responsible for reimbursing me the {$1000.00}. XXXX stated that I should write the Office of the President at XXXX. XXXX XXXX, XXXX, ND, XXXX and if the president believes the dispute team have made error ( s ), that office can correct it and resolve this matter. I will copy you on what I send to that office and will reference my filing this with the CFPB.