davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
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. (TX)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 requeseting to update and correction of these suspicious accounts I found on my Credit Report. Upon reviewing a copy of my updated credit Report, the previously disputed accounts are still reporting erroneous information on my Credit File. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints, and I'm including them again. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$400.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$7200.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX  XXXX XXXX XXXX Balance {$3600.00} ; XXXX  XXXX XXXX XXXX Balance {$6400.00} ; XXXX XXXX XXXX XXXX Balance {$4600.00} ; XXXX  XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX XXXX XXXX Balance {$6100.00} ; XXXX XXXX XXXX XXXX Balance {$5700.00} ; XXXX  XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance {$2800.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$4200.00} ; XXXX  XXXX XXXX XXXX Balance {$2800.00} ; XXXX  XXXX XXXX XXXX Balance {$2300.00} ; XXXX  XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX XXXX Balance {$2800.00} ; XXXX XXXX XXXX XXXX Balance {$250.00} ; XXXX  XXXX XXXX XXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX Balance {$3200.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$4100.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MS)

I just received a weird response from Lexis Nexis. They stated they are not held to the FCRA - which is laughable. There are 100 's of case laws I found where Lexis Nexis was sued and loss under the FCRA. Some of those cases are ; Smith v. Lexis Nexis ; Graham v. LexisNexis ; Berry v. Schulmar ; Spokeo Inc V. Robins ( class action suit LexisNexis loss which the judge clearly stated : " LexisNexis has no free pass from FCRA liability. '' They did not respond to my request in the required 30 days ; thus, the bankruptcy information must be deleted under the FCRA which they have to honor by law. To write a letter stating they are not under FCRA law means either whoever responded does not know the law or they are trying to skate around the violation. They failed in compliance under the FCRA ; thus, the bankruptcy must be deleted from LexisNexis. My next step is FTC, and AG compliments if not resolved.
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc. (MD)

I have an account with AllianceOne collection agency. I tried to contact them multiple times in XX/XX/2021 in regards to an upcoming payment I wanted to push back a few days until my next payday. When you call the number on the bill they provide it says you must leave a voicemail and someone would return the call. I left messages several days in a row, to no response. I then went on their website and filled out a " contact us '' form in hopes between leaving messages through voicemail and leaving messages online someone would contact me. Up til now I still have not received any type of correspondences from AllianceOne. My payment was still processed as normal via automatic payments although I requested via voicemail and online NOT to submit my payment. This month I received a letter from a different collection agency saying they are taking over the account so I've been again, trying to contact AllianceOne to ensure my automatic payments are stopped since I now have to set up arrangements with a new company. Same issue this month, no answer to the number on their bill, I again, submitted an online request for someone to contact me ( even selected they can contact me via e-mail and/or phone ). Still no response. The phone number on the bill they advise you to contact is XXXX. My attempts at reaching the company are as follows : 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 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I was denied credit and have attempted to review my Equifax report several times and have been refused access to my report. I also just found out that my credit report with Equifax is still reporting several accounts that should have been removed almost 2 years ago like XXXX XXXX and XXXX  have, but have not and as a result Equifax is causing me great financial hardship. Additionally I was one of the victims of breach of information and to be refused my report while reporting old outdated and derogatory information is a clear violation of the FCRA.
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NY)

I purchased a NETSPEND card about 2 months ago at the XXXX XXXX store in XXXX, NY and i do not know who but someone took my money off my card and i was left with owing XXXX dollars.My privacy as already been invaded in that store by people who have been committing a HATE CRIME against me.I have nothing to do with any of these people.Here is the reference ID : XXXX that netspend has given me regarding this fraud.It is very unlawful to invade in my privacy because people said they could and i am legally responsible for me and no one has anything to do with my adult life.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NC)

On XX/XX/XXXX, EdFinancial cashed a XXXX dollar check I had sent them to pay off/be put towards XXXX loans. My first loan was from XXXX and amounted to XXXX. My second loan was from XXXX and amounted in {$13000.00}. I sent explicit instructions for the loan from XXXX to be paid off and then the rest of the amount to be applied to the loan from XXXX, ideally before interest restarted. Instead of doing this, EdFinancial applied the whole check to the first loan, which now has a balance of XXXX. Clearly this is not correct, and I have called EdFinancial at least XXXX times, sent them numerous emails, and attempted to use the chat with a representative function ( which has never worked ) in the last several weeks. None of these avenues have ever resulted in reaching a representative or being contacted back. At this point, I am not really sure what to do because I have wasted hours trying to get this resolved. EdFinacial has essentially stolen XXXX from me and is keeping it hostage somewhere without applying to my other loan. Any help in either getting this money sent back to me so I can write them another check or getting the money applied correctly would be more than appreciated. Thank you for your time.
Consumer complaint received 2020-02-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Forster & Garbus LLP (NY)

Forster & Garbus sent a letter to me regarding a balance for {$840.00} and now they have sent a judgement and now execution of garnishment to my employer and I wasn't properly served a letter was sent to my house saying i owed {$1100.00} where did all that money come from when the account was closed. I need some help with this.
Consumer complaint received 2019-08-21
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. (AZ)

I have filed disputes with transunion, experian and a complaint with CFPB concerning the disputes, still nothing is done.In a recorded call experian explained they only go by the debt collectors statement and if it matches what the debt collector reported then information remains. If I send documents from XXXX they will not look at it, as the woman at experian explained " anyone can type a paper and sign it '' so it breaks down to only consumers lie.. I am re disputing with the documents I am attaching to you. I still even have the emails from and to XXXX of the first missed payment to show that among other false statements, the account has been re aged.
Consumer complaint received 2023-03-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-05-31
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to CORRECT immediately : XXXXXXXX XXXX XXXX
Consumer complaint received 2022-01-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (AZ)

Due to covid, my business and income suffered. I contacted Kia finance and requested help and asked if there were any covid options to help. I was told no. After falling behind on the vehicle by 30 days an account manager called my phone and advised that if I were able to make the payment I would then be eligible for a two month deferment. I advised that I would be able to make the payment in a few days when a client was able to make payment to me. He stated that would be fine and to call back on Monday. He advised all my calls were routed to him. However, after making the two payments ( both vehicles ) and calling on Monday, I spoke to a customer service rep who did not know who the account manager was. She did not route me to him. I passed along the information he provided and she advised I could move forward with the deferment. She was incredibly rude and asked a lot of personal and deeming questions. When she was complete and received the information she asked for the call ended. Less than 45 days later my car was repossessed. I had just been paid the evening prior and was bringing all my accounts current. My XXXX  XXXX  was over. When I headed to the driveway at XXXX to take my babies to daycare, my car was gone. I NEVER even received a phone call. I was under the belief my cars were in deferment. I called Kia and was advised I was almost 60 days behind and my account was not in deferment. They stated they had no knowledge of a deferment and no recording of that call or any other call from my number. Furthermore, they stated my phone number wasn't even listed on the call list. We have owned the cars for two years. I purchased them and I earn the income in our home. I have always been listed but prior to repossessing our cars they switched all contact details to exclude my line- which was listed for XXXX XXXX to my husband 's employer line and cell phone. They never once left a message- on account there is no voicemail set up!!! I paid close to {$3000.00} to have my car returned that I was told would be in deferment for two months. And even now that my account is current, the online system still shows past due balances though I pay it in full and more each month. They refuse to remove the two late payments ( 60 day lates ) from my credit and refuse to acknowledge this failure to defer the account. Kia 's sales team, financing, customer service department, all of it has been so dissapointing and unsatisfactory from the start of this purchase. We have not had a late car payment in six years! I asked for help and they denied it.. and when it was finally offered in the form of a deferrment- they repo 'd my car and marked me 60 days late.
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I have received calls from IQ DATA INTERNATIONAL regarding cleaning charges for the appartment I used to rent .. I had no communication from appartment complex management company regarding these charges .. The Agent from IQ DATA International called me and told me that I owe XXXX dollars plus interest. It was a surprise to me and I respectfully ask them that I dont owe those charges and there was no communication from the appartment management company. He told me he has my file and proceed to tell me my date of birth. He threatened me if I dont pay he will report these charges to credit monitoring and will ruin my credit and I will never get another appartment. I was a work and I told him I can not stay on the phone with you he keep insisting it wont take long. I said send me email of charges so I can verify the said charges. I said I will like to dispute and ask for my email address so he can send me receipt if I make payement today .. he repeatedly called me 2 times after I told him I am at work .. 
number he called me from was XXXX XXXX .. he called me at XXXX XXXX XXXX XXXX on XX/XX/2019 He was very hostile and keep threatening me that my credit will be ruined
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. (WA)

This needs to be sent to XXXX, Equifax, XXXX. 

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 62 % of this account is paid off Balance on XXXX XXXX, XXXX {$3600.00} Original loan amount {$9600.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. Once a debt is past the statute of limitations, debt collectors can still attempt to collect on these debts, but they can not file a collection lawsuit .XXXX  XXXX, XXXX. If a collection agency calls about an old debt that you think is past these limits. This account is past these limits and also this was reported without my knowledge. This is bringing down my credit and should be removed from my credit report this reported to all three credit agencies and should be removed from all of them. This needs to be sent to XXXX, Equifax, XXXX.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TN)

I contacted the mortgage company Seterus by the number listed by the credit agencies and there was no response by phone, so I sent a certified letter to the address provided .Seterus, inc. , XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX NC XXXX. XXXX
Consumer complaint received 2019-09-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIBANK, N.A. (GA)

I was recently reviewing my bestbuy credit card statement and noticed that my balance was not decreasing at the rate it should. It turns out I have " end debt protection '' added to my account and it been hitting me with fees going back to XX/XX/XXXX. I never signed up for this and over the years I estimate they have collected more than {$3000.00} from me and THAT WOULD HAVE EASILY PAID OFF THE DEBT. But it went to this fee instead. Best Buy says that I signed up for the service ( which I deny ). I currently work for bestbuy and have been for the past 3 years. This service is explained no where. Its a scam. Best buy and Citibank refuse to give my money back because they say a service provided. ( A service I never asked for. ) But BESTBUY acts like its my fault. I never even wanted the card and never would have gotten it XXXX know it was laced with hidden fees from them and CITIBANK. I'll never promote another card again.

Service started XX/XX/XXXX Service Ended XX/XX/XXXX Bestbuy credit card member since XX/XX/XXXX 0r XX/XX/XXXX Contacted bestbuy to dispute XX/XX/XXXX They responded saying my fault too bad ... XXXX
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed a XXXX XXXX account with TRANSUNION. The dispute was submitted on XX/XX/XXXX. I disputed the accuracy of the balance, payment history and late payments. 
XXXX XXXX removed the monthly payment amount from the report which was {$580.00}. Reporting a balance of {$27000.00} original balance of {$28000.00}. They are reporting payments both on-time and ( late ) from XXXX to XXXX of XXXX which is also wrong but with monthly payments of {$580.00} how could the balance be {$27000.00}. No one at XXXX financial or TRANSUNION seems to be able to solve this math problem for me.
Consumer complaint received 2019-09-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Our home was supposed to have been sold. Because of the noise and air pollution happening around the clock, preventing us from getting even a near normal nights sleep. We left our home before the sale was final. ( To stay with family in North Carolina ) We were told there was to be an inspection of plumbing on the inside of the house from the town of XXXX. Then told they had to hire someone to fill one of the basement drains ... ( which by they way was completely dry for the 6.5 years we've been here ) We told them NO because no one was there to represent us. It was done fraudelently, only to let us think it was required in reality it was so we would think when the basement was deliberately flooded we would blame on what was done ... which we did.. That was never the case, it was done as a work order and never did we recieve even a bill from the person until we finally had to come back to the house only to find basement damage, mold and decay. Days after coming back to the house instead of billing from the work order we already had a judgment against the house ( the inspection was done in late XX/XX/XXXX and by XX/XX/XXXX we already had a judgment against our property ) Which is why Wells Fargo only pretended to want to work things out with us, they were waiting for us to get the judgment notice ) On XX/XX/2019 We recieved a notice from a server that we have 20 days to respond.
Consumer complaint received 2022-05-02
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. (CT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (FL)

Original debtor was XXXX XXXX XXXX XXXX The last payment I was able to make to XXXX XXXX XXXX was of {$50.00} on XX/XX/XXXX. Before the my ex-husband and I became XXXX and lost our house to foreclosure during the economy crisis of XXXX!!! 
On XX/XX/XXXX Summons/Notice to appear for pretrial conference was served. 
On XX/XX/XXXX, Asset Acceptance , LLC filed a judgement for {$4800.00} On XX/XX/XXXX the above judgement was " Deleted '' from my credit report. 
On Friday XX/XX/XXXX ( 10 years from my last payment to XXXX XXXX XXXX XXXX ). I received an " Unofficial '' ( Continuing writ of garnishment against salary or wages from Asset Acceptance , LLC. ) for the amount of {$5200.00} On Friday XX/XX/XXXX I received a letter from my employer because " Asset Acceptance , LLC served them without my authorization. My employer provided a letter to me saying that {$320.00} will be withheld beginning XX/XX/XXXX per pay period which is bi-weekly. I am a head of household with XXXX minor children who are my responsibility to support. The amount the debt collection agency wants to collect from my paychecks is absurd and at no given time have I acknowledged anything with them. Plus 10 years have passed since I last made a payment to XXXX XXXX XXXX. and 6 years have passed since Asset Acceptance , LLC filed the judgement that has been removed from my credit since XX/XX/XXXX. I also currently have a XXXX plus debt in student loans that I am responsible for to whom I only pay {$100.00} a month because of my household size and income. Thank you for your time and understanding. What Asset Acceptance , LLC wants to do will cause great hardship to my family of XXXX. Since I am the head of household and only adult in the home. Plus this violates the statute of limitations in the state of Florida which is 5 years. All of the above is XXXX years old and older.