davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2018-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

I received a letter in the mail dated XX/XX/2016 stating that I owed my previous apartment complex the XXXX at XXXX for damages pertaining to carpet replacement for a fee of XXXX, stove top replacement XXXX, blind replacement XXXX and an extra cleaning fee of XXXX. I called the complex the following day to find out how they came up with these charges. I spoke with XXXX and she could not even describe a specific location of where the carpet was damaged. She also told me she was unsure of how they were charging me for blinds but I need to pay up. I also sent them a certified letter asking for proof. They failed to respond to the letter but instead sent the bill to a debt collection agency. Also I asked for proof of the damages with pictures and bill receipts showing the work was done and I never heard back. I am writing to inform you of the unfair practice of the XXXX at XXXX XXXX. They need to be thoroughly investigates as I am worried that I am not there only victim. I have a lawyer and have disputed these charges. 
thank you kindly.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (CA)

National Credit adjusters reported to all XXXX XXXX XXXX a collection debt for XXXX from XXXX from XXXX XXXX. I made a dispute and sent them information that cash central reports paid in XXXX. This company reported on my credit without sending any notification of the debt by mail or by phone. I never had a chance to dispute this debt or show it paid. They just reported on my credit and dropped my score XXXX points There response On Wednesday, XX/XX/XXXX at XXXX XXXX XXXX  XXXX XXXX XXXX wrote : Current Creditor : National Credit Adjusters , LLC XXXX Balance XXXX {$4500.00} NCA Account # XXXX Account # Original Creditor Balance XXXX XXXX XXXX XXXXXXXX {$4500.00} XXXX XXXX, XXXX XXXX for the delayed response. 



We acknowledge receipt of your communication indicating that you dispute the account or a portion thereof. 



We will refrain from communicating with you while we research and validate the debt. However, if we mail you validation of the debt, we will resume contacting you some time afterwards. 



This communication is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. 



Sincerely, National Credit Adjusters XXXX response to them You do not have to refrain from speaking with me as you have never called me or sent any communication of this debt being owed. I sent the dispute out XX/XX/XXXX and you know respond XX/XX/XXXX. 

You have reported this collection to all three bureaus on my credit report without sending out proper notice of the validity of the debt. I am quite knowledgeable of the Fair Debt Collection Practices Act that came into effect XXXX of XXXX. Are you familiar with these laws? 

There are certain steps debt XXXX must take before they can report a debt to a credit reporting company. They must do any of the following : Speak to you by telephone or in person about the debt Mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally XXXX days, in case it is returned as undeliverable If the debt collector sends you a validation notice, it means that theyve satisfied their requirement to contact you and, in general, can begin reporting the debt to credit reporting companies, provided they follow other laws about credit reporting. 

Where is your validation Notice? I suggest you remove this debt from my credit immediately within XXXX hrs or I am filing a complaint with the CFPB. 
I suggest you take this seriously. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Dear Sir/Madam, I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies. 
The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt.

2. The legal basis for collecting this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. A full account history, including all related charges.

Your actions violate FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I demand the immediate removal of this fraudulent account and a prompt resolution of this matter.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P. (MS)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. 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 make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (GA)

I have notified your company/person that I was a victim of identity theft, and I am attaching the identity theft report you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) YOU ARE IN DIRECT VIOLATION OF THE FEDERAL GUIDELINES YOU MUST FOLLOW. Delete the account
Consumer complaint received 2018-01-12
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. 

My report dated XX/XX/XXXX reported 14 90 day lates. But then on my report dated XX/XX/XXXX the information changed to 31 90 day lates. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a 108 point difference between XXXX and XXXX. At a minimum I am requesting that this company report to XXXX the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from XXXX allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screens of my XXXX and XXXX credit reports showing the difference in reporting which is causing the XXXX credit score to be retarded by 108 points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the XXXX score and the XXXX score ( Fico reason codes ) is that XXXX is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if Capital One is deliberately misreporting this item ( with recent delinquent activity ) on XXXX in order to damage my credit score. 

Several months ago I negotiated with Capital One and paid off the outstanding balance and as a part of the settlement agreement they agreed to remove the payment history which they did follow through with on my XXXX credit report however they did not on XXXX  and you can see the result in my credit score disparity as explained above.
Consumer complaint received 2023-08-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (MI)

Problems with account I have recently resubmitted a payment that I made before. 

I had been in contact with a XXXX XXXX, but she will not be back until the XXXX of XXXX and I also don't know that she is in management and able to handle my request. 

Below our attached the proof of payment, and it was sent overnight. 

The payment was sent over a month ago the FIRST time, and the post office confirmed that it was received to the post office box address. ( It was sent priority mail with tracking. ) But, the company denies receiving it. 

I had to pay extra fees to resolve this situation, including express mail to send to you, as well as the price for a money order to be reissued. 

I have maintained receipts of all of the added expenses because of my The company 's losing the payment that I sent in. 

Attached are the proofs of payment FOR BOTH THE FIRST AND THE SECOND PAYMENT, as well as the price for a money order Trace to be refunded for the check that the company lost.
Consumer complaint received 2018-01-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Neon Newco Corporation (MA)

On XX/XX/17 I received an email saying something to the effect that I had " won '' a {$1000.00} gift card from XXXX. There were associated posts saying this was " for real ''. I started clicking to check it out. As I went along it seemed to start turning into an application for a credit card and, against my better judgement, I continued with the process. By the end, I had been congratulated for qualifying for a " Net Spend XXXX XXXX card ''. I was annoyed since I did NOT want this credit card. I decided to wait until I received the card to call the company. Well, I never even received the card! After 3 1/2 weeks I called XXXX Spend XXXX. The customer service person was not concerned about the fraudulent way I was lured into applying for the card or that I never received it. She seemed to want a quick resolution and simply offered to send me another card or close the account. I told her to close the account. I also said that I certainly hoped that opening and closing this account would not effect my credit score. She said it wouldn't but I'm not sure she knew what she was talking about.
Consumer complaint received 2018-01-12
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CA)

I was mislead and told in my promissory note that I would be funded through graduation. Upon entering my junior year my loans were cut and I no longer could receive enough to finish. The loan terms stated I would have to repay the loan after graduating based on my earning potential once obtaining my degree which I could not get because I couldnt pay for my last year and a half of school.
Consumer complaint received 2018-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WAKEFIELD & ASSOCIATES, INC. (NM)

Legal action was taken against me by Wakefield & Associates, INC on XX/XX/XXXX and papers were served on XX/XX/XXXX. They 're suing me for a debt dating back to XX/XX/XXXX in the amount of {$720.00} on behalf of XXXX. I disputed this account with all 3 major credit reporting bureaus on or around XX/XX/XXXX. All three bureaus deleted the item from my credit reports after their respective investigations. I filed the disputes after noticing that the amount was incorrect and that they seemed to be charging interest on an old debt. I am now looking into legal aid for what steps to take against them as they seem to buy old debts that are at, near, or past the Statue of Limitations for collections and then file lawsuits to try and collect.
Consumer complaint received 2018-01-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IL)

My deferment agreement ended in XXXX 2017. I 'm XXXX and required to submit documents annually to extend my deferment. I submitted my documents via Nelnet 's email as suggested. The process is usually slow but about 6 weeks later I checked my account and there were no changes I called Nelnet and they informed me that my documents were not received so I decided to mail them. My account was finally updated to a XXXX balance and payment due but I was hit with nine 90days late on my report. I feel that is unfair.. plus in 14 years I 've never been in default.
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: M&T BANK CORPORATION (TX)

I showed them the bill that showed my loan/lease was paid in full. They didn't care. They put their lawyers on me to get a lot more XXXX Problem is, I don't have a legal dept... Hiring a lawyer will cost me more than settling. So I had to settle to prevent going to court and costing even more XXXX They know this. Btw, I offered to return the equipment to make them stop trying to sue me for more XXXX but they didn't want it bc they want $ and the equipment is worth nothing. They use a legal dept basically to shake you down. They know what they are doing to hurt you. This is not a business offering a service and simply wanting to be paid ( like a restaurant or Drs office ), this is a business set up to get as much $ from you as possible without offering a reasonable service.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: EAST WEST BANK (GA)

XXXXast & West Bank first closed my account without any notification or providing reasons. While this was inconvenient, it was their loss, not mine. However, when I tried to transfer my money out using ACH, they blocked me from doing so and forced me to use a wire transfer, which incurs a fee. I am here to complain about these unfair charges and their customer service.
Consumer complaint received 2018-01-12
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MO)

I had a total of ( 3 ) three student loans. According to my credit reports they are showing ( 6 ) six student loans, which makes it look as if I owe way more than I do and also shows late payments with all of them. All ( 6 ) six of them are showing different data with each credit bureau. I have disputed the loans for incomplete/inaccurate data. The credit bureaus just keep coming back as updated information. Nothing changing, Still showing ( 6 ) six student loan accounts when there were only ( 3 ) three. There are three ( 3 ) listed with Dept of Ed/Nelnet and, three ( 3 ) listed with US Department of Education. The two different named sets of companys are both reporting the same three ( 3 ) accounts.
Consumer complaint received 2018-01-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MI)

XXXX XXXX has been calling me almost daily for three weeks because my last payment to them was {$5.00} less than the minimum ( I 'm unemployed and it was all I could manage at the time ). They never leave a message. They have not contacted me in writing. When I log in to my account online, there is no indication that I have an overdue amount of {$5.00}, only a minimum payment of {$60.00} that is due five days from now ). XXXX XXXX calls me so much over that {$5.00} I owed them that my caller ID has labeled them " suspected spam '' or " nuisance. '' They call from at least five different phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has called me at least 48 times in the last three weeks over a " past due '' amount of {$5.00}. My own mother does n't call me as much as these people. 

XX/XX/XXXX : 11 calls between the hours of XXXX XXXX and XXXX XXXX ( this last call occurred only because I made this month 's payment, then called XXXX to tell them to stop calling me 10+ times a day ) XX/XX/XXXX : 3 calls between XXXX XXXX and XXXX XXXX 
XX/XX/XXXX : XXXX call XX/XX/XXXX : 4 calls between XXXX XXXX and XXXX XXXX 
XX/XX/XXXX: 2 calls XX/XX/XXXX : 2 calls XX/XX/XXXX : 2 calls ( I had already made a payment that day ) XX/XX/XXXX : 5 calls between XXXX XXXX and XXXX XXXX 
XX/XX/XXXX : 3 calls, but two of those calls were in the same MINUTE ( XXXX XXXX ; they called, let it ring a couple times, hung up and immediately called again ) XX/XX/XXXX : 3 calls, but two of those calls were made within the same minute ( XXXX XXXX ) XX/XX/XXXX ( a HOLIDAY, but they still ca n't give it a rest ) : 3 calls between XXXX XXXX and XXXX XXXX ( two calls within the same minute ) XX/XX/XXXX : No calls. I assume the XXXX Department took the night off for XXXX. 
XX/XX/XXXX : 2 calls between XXXX XXXX and XXXX XXXX. 
XX/XX/XXXX : 3 calls between XXXX XXXX and XXXX XXXX ( 2 calls within the same minute ) XX/XX/XXXX : 1 call XX/XX/XXXX : someone had the day off. No calls. 
XX/XX/XXXX : 1 call XX/XX/XXXX : No calls ; the good people at the XXXX XXXX XXXX Department must be XXXX XX/XX/XXXX : 2 calls, both at XXXX XXXX
Consumer complaint received 2018-01-12
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Blitt and Gaines, P.C. (IL)

The court issued an order of wage deduction on XXXX XXXX, XXXX for {$56000.00} debt owed to XXXX XXXX XXXX XXXX XXXX, although I received a XXXX from XXXXXXXX XXXX for tax year XXXX cancellation of debt XXXX. The XXXX was sent to the creditor attorney. As of XXXX/XXXX/XXXX the balance due according to the creditor is {$54000.00} although I received XXXX ( XXXX ) for {$5200.00}. It does n't appear the amount is decreasing as it should. The judgment amount continues to accrue interest, no statements of explanation has been provided to me. The original loan amount from XXXX XXXX XXXX was {$25000.00}, XXXX XXXX did n't provide how the amount increased to XXXX
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX and XXXX XXXX XXXX XXXX