davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$10000.00}, {$4500.00}, {$0.00}, {$10000.00}, {$22000.00}, {$0.00}, {$19000.00}, {$0.00}, {$35000.00}, {$13000.00}, {$12000.00}, {$25000.00}, {$23000.00}, {$19000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

4. XXXX VISA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- PERSONAL LOANS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$35000.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

13. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

14. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- COLLECTION ACCOUNT 15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account.
Consumer complaint received 2022-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (CO)

I have had XXXX issues with Mosaic XXXX XXXX XXXX that I believe are predatory and unethical practices. Mosaic has had XXXX complaints of a similar nature to the XXXX in the last XXXX years. 

**** ( XXXX ) XXXX XXXX Mosaic XXXX XXXX XXXX XXXX, AZ XXXX First issue -- I was sold Solar by XXXX XXXX in Colorado for an apartment building I owned at XXXX XXXX XXXX, XXXX CO XXXX XXXX After solidifying the order they recommended Mosaic Solar as the financing company. My payment was as expected for a while. Soon I received notice that because my loan balance hadn't fallen below a certain amount, my payment would increase to $ XXXX -- this despite me paying every payment on time for the last XXXX months per the contract ( via autopay ). Over the course of the last XXXX years I have paid only {$2700.00} in principal. I was never informed that I would need to make any additional payments ( on top of my regular installment payments ), nor that if I didn't make additional payments I would also have a greatly increased payment. I tried to contact both XXXX XXXX and Mosaic XXXX. I was able to reach XXXX XXXX but they informed me they could not help. It was nearly impossible to get anyone on the phone for Mosaic other than a call center associate. 

Second Issue-I went to refinance my property where I had installed solar. Mosaic had put a lien on my property despite the fact that the loan was on the equipment. This incorrectly clouded title nearly prohibiting my refinance from going through. I had to hire a lawyer spending over {$3000.00} to get my mortgage company to agree to the refinance. My lawyer described the lien as barely legal and certainly unethical. It was nearly impossible to get someone on the phone at Mosaic until I retained a lawyer. 

I believe this company is unethical and predatory and should be held accountable. 

Thank you for your time and consideration XXXX XXXX XXXX
Consumer complaint received 2016-06-20
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: DCI Credit Services, Inc. (MT)

DCI credit in XXXX XXXX told me the hospital was charging me all the interest on my medical bills. NOT THEM. They said My payments went to " legal stuff '', " other accounts '', " interest ''. I have asked for statements and they just send confusing print outs. They wo n't send statements or letters. The website says you can see open and closed accounts - send email. This is NOT true. XX/XX/XXXX I owed XXXX. Made payment of XXXX. I then owed XXXX in XX/XX/XXXX. I was told my payment went toward interest and yes I now owe more.
Consumer complaint received 2015-07-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Cottonwood Financial Ltd. (TX)

I keep getting automated calls that they will contact the Attorney Generals office and file a warrant on me. They have contacted family out of state saying I have a legal matter to take care. When talking to a person on the phone I requested verification of debt and I stated I was not giving my credit card information to a stranger over the phone, she then told me she could not help me and legal action would be taken. I hung up the phone and she called back seven more times in a row after I requested to not be contacted again.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; 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 Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2017-01-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Bread Financial Holdings, Inc. (CA)

On Friday, XX/XX/2017 I requested a copy of my Cardholder Agreement from Comenity Bank, which issued my XXXX XXXX Visa Card. On Sunday, XX/XX/2017 I received a response which read in total : " Thank you for your recent inquiry to our Customer Care Department. 
Comenity Capital Bank issues your account and responds to all credit related inquiries. This card is issued by Comenity Capital Bank pursuant to a license from XXXX XXXX XXXX. 

I will be more than happy to issue out a credit card agreement to you. 
Please allow up to ten business days to receive it. 
We appreciate your business and your loyalty. 
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 
Sincerely, XXXX XXXX Internet Customer Care Team '' I have not yet received the agreement, and it is not posted on the card 's website as I thought was required, nor is the agreement in your database. Please help me obtain this important information! 

Thank you
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (CA)

UNIFIN a debt collection company working in tandom and co-operation with XXXX XXXX XXXX XXXX XXXX has attempted to collect a debt already PAID IN FULL in XXXX knowingly in the amount of {$4100.00}, this amount was settled in Full in XXXX for {$2300.00}.. The complaint answer from XXXX XXXX XXXX XXXX XXXX Corroborates this as well as documented Pay off .... SEE ALL PHOTOS ATTACHED. THERE IS NO MONEY OWED AND NONE FURTHER WILL BE PAID.. UNIFIN working with XXXX XXXX XXXX XXXX XXXX has XXXX both in person and by letters as seen in photos recently in XXXX knowing full well that my legal name changed in XXXX of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX name for inheritance purposes as per Ca. State Drivers License, XXXX Passport and Social Security Number. My phone number has never changed either. 
Attempting to collect further on an already PAID IN FULL Collection account with harassment involved constitutes EXTORTION under current Federal Laws and a further crime of U.S. Mail Fraud for attempting under duress and harassment to collect a non payable PAID IN FULL amount in order to make a " marketable illegal profit '' for it's company in accordance with FBI current RICO Laws now in place for such actions. It is clear in the statements mailed to myself that these companies were aware of the amounts, dates and proceedings of each others collusion to attempt further payments on a previously PAID IN FULL account to XXXX XXXX XXXX XXXX XXXX in XXXX with XXXX Consultants in XXXX. 
My attorneys private investigators firm have collected both video, photo and document evidence that has been turned over to the proper law enforcement agencies as well as State authorities on bonding and legality issues. 
THIS ACCOUNT WAS AND IS PAID IN FULL ... NO FURTHER Payment OF ANY KIND IS FORTHCOMING.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX Balance : XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$910.00} ; XXXX XXXX Inquired on XX/XX/ ; XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2020-10-09
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: CAVALRY INVESTMENTS, LLC (VA)

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) CAVALRY PORT ( XXXX XXXX XXXX ) SEE ATTACHMENT 2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX  ) SEE ATTACHMENT 3 ) XXXX XXXX XXXX XXXX XXXX XXXX ) SEE ATTACHMENT This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (UT)

Enhanced Recovery is reporting a debt on my credit fil that i do not owe. I recently checked my credit and noticed this debt. I called immediately and paid this debt off. I never received any calls, notices, or letters about this debt and that violates my 30 day right to dispute.
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (DC)

I filled for a chapter XXXX bankruptcy in the court of Maryland per my attorney but after further review I did n't need to file a bankruptcy. So the next day I withdraw the file and NEVER went in front of a judge. I have letter from my attorney and a letter from the bankruptcy court showing it was terminated on XXXX/XXXX/XXXX. I sent both letters to XXXX and they refuse to remove the error. The BK should have never been reported at all because it never happened. I also sent another fax on XXXX XXXX XXXX and they have n't responded in anyway. Please help because I am completely lost for words at this moment.
Consumer complaint received 2022-12-19
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with NR/SMS/CAL. The current status should not be showing late because I paid it on time. XXXX and Equifax Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my 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 or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORTXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$21000.00}.
Consumer complaint received 2022-10-03
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)

There are a lot of inquiries that suddenly appeared on my credit report. These are from unknown locations and when I tried reaching out to the bureaus I did not receive any response or results from them.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

They called me everyday for months about a debt amount I do not agree with. They were calling me everyday. I tried to resolve the debt but told them I paid XXXX they do not have a record of. I refuse to pay bc of that. The calls were so bad I told them to stop calling me XX/XX/XXXX. I repeatedly blocked their number but they would call from different numbers. They called XX/XX/XXXX, XXXX, XXXX etc. They stopped calling for like 2 months. I just got another call from Portfolio Recovery today, XX/XX/2020 at XXXX. I can't take it anymore.
Consumer complaint received 2016-04-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (TN)

I am getting multiple calls a day from this number along with XXXX. No message ever left. Calls have been been received for the past three weeks. Called # 's back and receive a voicemail that I have reached " Diversified Consultants ''.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.