davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (CA)

I summited 4 rounds certified verification letters FCRA SECTION 609 ( a ) ( 1 ) ( A ) to ( XXXX XXXX, XXXX, XXXX ) and a debt collection verification letter certified to NATIONAL CREDIT SYSTEM certified letter sent to XXXX XXXX XX/XX/XXXX. AMOUNT OF UNVERFIED DEBT {$2600.00} CERTIFIED LETTER SENT TO XXXX ON XX/XX/XXXX CERTFIED LETTER SENT TO XXXX  XX/XX/XXXX DEBT VERIFICATION CERTFIED LETTER MONTH OF XX/XX/XXXX TO NATIONAL CREDIT SYSTEM. I DID NOT GET A RESPONSE FROM THE DEBT COLLECTOR ON THIS UNVERFIED " DEBT '' ALL THREE AGENCY SENT " VERIFIED '' AS A RESULT OF THE VERFICATION I SUMMTITED SECOND ROUND OFLETTERS TO ALL THREE AGENCY ( XXXX, XXXX, XXXX ) IN THE MONTH OF XXXX THE RESULTS WAS THE SAME " VERFIED '' I SENT A THIRD ROUND OF VERIFICATION LETTERS AS WELL AS METHOD OF VERIFICATION TO ( XXXX XXXX, XXXX XXXX ) IN THE MONTH OF XX/XX/XXXX AND AGAIN IN XX/XX/XXXXAND NEVER HEARD BACK FROM ANY OF THE CREDIT AGENCY.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

my experian credit report is showing i owe XXXX XXXX XXXX XXXX dollars.?? 

but i dont understand how i owe XXXX XXXX any money if the car was repo and sold at auction cause i saw this car was sold on XXXX so the balance should be XXXX 

i do not owe XXXX XXXX any money..
Consumer complaint received 2021-10-27
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Dynamic Recovery Solutions, LLC (TX)

I received a letter dated XX/XX/2021 regarding an alleged debt in the amount of {$2000.00}. I do not believe that I owe this, and I dispute it. 
In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money? 
b ) How this amount has been calculated in a way I can understand. 
c ) Copies of the papers where I agreed to pay what you say I owe. 
d ) A copy of the judgment, if applicable. 
e ) Name of the original creditor. 
f ) Demonstrate that you are licensed in my state, and provide this license number to me.
Consumer complaint received 2021-05-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-06-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EQUITY LOANS LLC (FL)

We are filing a complaint against both of the following : 1. Equity Prime Mortgage LLC - 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  Our date of application was XX/XX/2021 Our Loan Number is XXXX XXXX Phone Number is ( XXXX ) XXXX Our complaints are as follows : XXXX. There was no NET TANGIBLE BENEFIT to this refinance done by XXXX XXXX XXXX Equity Prime Mortgage LLC ; He did the opposite ; he WORSENED our financial situation. Taking us from a XXXX XXXX to an XXXX XXXX in ANY SITUATION IS NOT FINANCIALLY BENEFICIAL EVER. XXXX has much higher mortgage insurance monthly payments than a XXXX XXXX does. XXXX XXXX CLEARLY took advantage of us. 

2. Our loan did not pass the 3 % maximum fees tolerance. Our Loan Amount was XXXX and there is a 3 % cap on what a lender can charge. That means the maximum lender fees we could incur by the XXXX XXXX and XXXX Laws should have been {$9000.00}. We were instead charged {$8700.00}, plus a {$340.00} administration fee, plus a {$500.00} processing fee, plus {$1100.00} in underwriting fees, totaling {$10000.00}. We were charged {$1700.00} OVER THE MAXIMUM LIMIT ALLOWED BY LAW.

3. We never received a copy of our appraisal. Per Federal Law, we should have received a copy of the appraisal AT LEAST 3 DAYS PRIOR TO CLOSING. 

4. This has caused tremendous financial hardship on us. We were looking to use our equity to get cash out to consolidate our debts, that was the only goal from the very beginning. We never received any cash out to pay off our bills with that we were supposed to get. XXXX kept feeding us a lie that we would get cash back in our Taxes. We filed our taxes and did not receive the cash payouts he had said we would receive. We signed the closing documents because we believed XXXX was being honest, and that we simply needed to file our XXXX XXXX with the Federal Government and we would get our payout in our Tax Refund. Plain and simple, we never got ANY CASH OUT, so we would like the lender to rectify and pay restitution for the financial hardship he has caused us. 

5. We also believe the Title Company who closed our loan should also be held accountable for closing a loan that DID NOT MEET THE XXXX XXXX MAXIMUM RULE. XXXX XXXX XXXX XXXX, XXXX should be held accountable for closing this.
Consumer complaint received 2022-05-18
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. (NC)

4th notice for Utilization to be updated to 5 % or below. Congress states Utilization is an experience with the line of credit that was extended between the consumer and the company and financial institutions must provide 3 forms of Disclosures before reporting to Non-affiliated third parties ( CONSUMER REPORTING AGENCIES ). Written Consent MUST BE GIVEN BY CONSUMER TO SHARE THEIR NON-PUBLIC INFORMATION. PLEASE READ LAWS BELOW WHICH YOU ARE IN VIOLATION FOR THE ACCOUNTS BELOW Accounts with Utilization XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Credit Cards fall under 15 USC 1638 Truth and Lending XXXX  has failed to comply with disclosure reqiurements under this law. No reporting should be made until all general disclosure requirements have been met by law. 

THE LAW CLEARLY STATES BELOW 15 USC6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S. Code 1681a - Definitions ; rules of construction Congress clearly states that the report of transactions or experience between the consumer and the person making the report is not included in the Consumer Report.

15 U.S. Code 1681a ( 2 ) ( a ) ( I ) - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX response to report transactions experiences late payments to consumer reporting agencies is against the law I have disputed the accuracy of the account, as I have been charged with late payments in XXXX after payments were made setting my utilization over the credit limit to {$410.00}. However such errors wouldn't be reported if XXXX XXXX followed the law and regulations.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

I have disputed with XXXX my legal name and spelling, my correct address and my correct social They continue to have and continue to report improper names. 2 social security numbers, multiple addresses.

They have confirmed and verified apparently but yet which social security is mine?

What is the correct legal name of mine?

What is the correct address for me They have lied by their investigation results. They can not investigate and confirm which account belongs to what name nor can they confirm what social security is mine Only I know my social security number and legal spelling of my name
Consumer complaint received 2021-10-27
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

To Whom it May Concern i am tired of being harrassed by debt collectors I XXXX XXXX consumer, and natural person am aware of all the rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ) The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Section 602A States I have the right to privacy. The Fair Credit Reporting Act ( FCRA ), also known as Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). These agencies compile reports on individuals for various entities, including credit card companies, banks, employers, landlords, and others. The FCRA forms the foundation of consumer rights law in the United States, alongside the Fair Debt Collection Practices Act ( FDCPA ). It aims to protect consumers from the inclusion of erroneous data in their credit reports. Key provisions of the FCRA include regulations on collecting, disseminating, and using consumer information, particularly related to credit history. FCRA Section 623 ( a ) ( 1 ) ( C ) outlines the responsibilities of furnishers of information to consumer reporting agencies ( CRAs ). Let me break it down : 1. Duty of Furnishers of Information to Provide Accurate Information : Prohibition : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. The information is, in fact, inaccurate. The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. The information is, in fact, inaccurate. No address requirement : If a person clearly and conspicuously specifies an address for notices related to inaccuracies, they are not subject to the abovementioned prohibition. However, selecting such an address is not mandatory. 2. Prohibition : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person **knows or has reasonable cause to believe that the information is inaccurate LVNV FUNDING ACCT # XXXX
Consumer complaint received 2022-06-11
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: EQUIFAX, INC. (FL)

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also one of the credit bureaus deleted said the account was deleted then reappeared on my credit.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-11
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. (TX)

I XXXX XXXX am filing a complaint against Equifax, I have disputed a collection account several times with them despite me sending a proper documentation they still have yet to remove this fraud item from my credit report I have disputed this collection over 10 times in the past four months to no avail nothing is been done I have even sent a complaint with cfpb that didnt do anything they are still reporting this collections despite me sending the documentation, the item gets deleted and its placed right back on report The dates I sent documentation from current to past, I am victim id theft this really isnt right this collection is still reporting and I am providing proper legible documentation Collections : Fair collections & outsourcing Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: U DRIVE ACCEPTANCE CORPORATION (IA)

Purchased a vehicle from U Drive Acceptance in XXXX XXXX Iowa, vehicle purchase price was {$11000.00}. Ive been working with the dealership over couple weeks waiting on the reliable vehicle that would be a good fit for XXXX XXXX XXXX 
I was pre-approved with an agreement of {$1000.00} down for a XXXX XXXXXXXX XXXX It was my first time financing a vehicle so i was trusting the dealership. After signing the paperwork i noticed the finance amount was {$15000.00} i asked why he stated that it was the extended warranty and gap insurance coverage. He said it's a requirement of being able to get financing though the bank, it was a bank standard procedure at all banks. I felt I had no choice other to accept it. As stated it was standard protocol at any dealer. 
Therefore My vehicle has had issues on day one. My warranty is already expired, I barely had it over a year I believe I was charged {$5000.00} extra for the warranty. My interest rate is 24 %. I pay {$500.00} a month for a vehicle that's breaking down. I still owe more than the agreed purchase price after paying {$7000.00} in payments. I feel scammed and taking advantage of. If I hadn't had that extra {$4000.00} on the loan I would be in a better position. I trusted them on being honest and helping me get a reliable vehicle. I feel the interest rate is ridiculously high 24 %. I'm told that my interests rate is not even legal for thar state of iowa.
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I noticed a message on my Best Buy Visa Gold account statement informing me that I was going to be charged an annual fee next month. I was not aware there was an annual fee, and was fairly certain that I would not have signed up for a Best Buy card that charged an annual fee. I called to speak with an account representative and she confirmed there was an annual fee on my account but I had the option to close it and avoid paying the fee. I closed the account and I requested a copy of my original cardmember agreement that disclosed the annual. They provided a copy of my original card member agreement in the mail and it specifies there is no annual fee. I called Best Buy Credit services again on XX/XX/2022 and their representative confirmed that they have been charging me an annual fee for 10 years! I asked if I could get any of the fees refunded to me and was told they would waive the fee for this year, but I already closed the account. I am complaining because I did not agree to pay an annual fee as part of the original terms and conditions. I did not notice there was an annual fee because of the automatic payments made to this account.
Consumer complaint received 2018-12-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Professional Bureau, Inc. (FL)

Dear Sir or Madam : This is a counter letter response to the email I received on XX/XX/2018 from the Texas Attorney Generals Office. 

Immediately remove the ILLEGAL medical FALSE DEBT charges from all 3 CREDIT REPORTING AGENCIES. I HAVE CONTACTED AN ATTORNEY TO PURSUE A LAWSUIT AGINST XXXX DBA as XXXX XXXX. Reason for suit is because XXXX XXXX falsified documents to the attorney Generals office regulating private personal information regarding HIPPA law violations. Also, a lawsuit against XXXX   XXXX and XXXX XXXX XXXX XXXX for double billing me as well as my XXXX XXXX XXXX. XXXX XXXX XXXX XXXX over charged and subsequently XXXX over paid. My Family was assured by the Doctor and Hospital that I would not be double billed by a botched XXXX  procedure performed by XXXX XXXX XXXX XXXX. I was informed on XXXX XXXX XXXX business name is XXXX DBA as XXXX XXXX. 

I didnt know my medical rights and due to a botched XXXX, this matter will be resolved by a third party. Your correct I did sign a promise note BEFORE XXXX was performed to be billed for one XXXX  and not billed for two. Also, at the time I didnt know they over charged my insurance company for twice the amount. Lastly, I was never informed and never received the HIPPA Law rights. 

XXXX XXXX suppressed documents. They violated the Federal Medical HIPPA Law and XXXX XXXX omitted certain pages suppressing documents when Billing Lead, XXXX XXXX from XXXX XXXX ( XXXX ) sent a letter to Attorney General XXXX XXXX   Office for a settlement offering to accept a one-time payment of {$400.00} paid in full on XX/XX/2018 and then I received the email from The Texas Attorney Generals office response on XX/XX/2018. XXXX XXXX sent only twelve ( 12 ) documented pages to The Texas Attorney Generals office. However, 5 pages of the 12 submitted to The Texas Attorney Generals office I have never seen before. XXXX XXXX from XXXX XXXX suppressed the real medical file they have on me. I again have included the actual total documented twenty eight ( 28 ) medical pages they have on record and prove they distributed my medical information on XX/XX/XXXX at XXXXCDT. I have mailed to everyone involved in my credit dispute exactly the twenty-eight ( 28 ) documented pages of my medical file that XXXX XXXX acquired from XXXX XXXX XXXX XXXX XXXX and then delivered all twenty-eight ( 28 )  documents of my private medical history to XXXX XXXX XXXX XXXX XXXX XXXX, and consequently violating the Federal HIPPA Law. 

Please see the attached documents and see notes on bottom and top of each page. XXXX DBA as XXXX XXXX is a foreign company and has no right to my medical information. 

All future communication will be handled by my attorney Thank you, XXXX XXXX
Consumer complaint received 2022-07-17
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. (FL)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXXXXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Has Violated my rights 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency CAN NOT furnish a account WITHOUT my written instruction
Consumer complaint received 2022-01-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (VA)

XX/XX/2012 {$54000.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (PA)

I have asked for unverified late payments to be removed from student loan accounts. You can not report a late payment of 90 days when the month before it was reported ok. 
XXXX XXXX XXXX XXXX XXXX XXXX late payments being reported that are inaccurate and therefore unverified. 

Experian, XXXX, XXXX, and XXXX are governed by 15 USC 1681 and they violated my rights numerous times. 
There is no law stating that any transactions need to be reported. 

According to 15 USC 1681 section 602 A I have a right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written consent and instruction. I never gave consent.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.