davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDICO. INC (CO)

On XX/XX/XXXX, I had XXXX  XXXX from XXXX XXXX of Colorado XXXX and was charged an additional {$250.00} by a contracted Surgical Assistant ( XXXX XXXX XXXX XXXX ) who identified himself as the Doctor 's assistant and not as a member of a separate organization. He had me sign an agreement I would pay {$250.00} and if my insurance declined his service, I would have to pay no more than {$250.00}. As my insurance had already informed I would be covered, I knew this would be returned. I emailed this contractor asking about my refund and received no response. I called the number on the emailed receipt, the number went to a realtor, so I disputed the charge. He contacted me and became defensive, verbally abusive and threatening. Weeks later, I received a collections notice from " Credit Collections Bureau ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) '' for {$1800.00} ( {$1800.00} for service and {$19.00} for interest ). I called Monday XX/XX/XXXX and left a message for my case worker with CCB and still have not received a response. I called Tuesday, XX/XX/XXXX and spoke to a general agent there and requested a " verification of debt ''. He instructed me to fill out a form online in lieu of sending mail, which I did, I also included the agreement which stated I was to pay no more than {$250.00}. I have not received an email or letter with " verification of debt '', per legal guidelines I am to receive this within 5 days. I called on XX/XX/XXXX to request this again and ensure my case was closed as if there was any collectable amount, it would be {$250.00}. They instead told me they had requested the " verification of debt '' from the contractor, meaning they took me to collections without proof I owed any money. They continued to tell me, that despite a less than legal contract ( I signed this moments before going into XXXX when I was certainly not thinking clearly, thereby under duress ), that the agreement stated I owed everything he was requesting not just the {$250.00} the agreement stated. 

This collections company is not providing a " verification of debt '' as required by law. They are also requesting to collect an amount that is contractually not what I owe.
Consumer complaint received 2018-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NJ)

i have a best buy Citigroup credit card. i mail out my payment befor XX/XX/XXXX18 the due date. i aslo pay my bills on time. on XX/XX/XXXX18 i received call from them that im late i told the person the payment was mail out and im not late please dont call me agian. that was a t XXXX. then at XXXX on XX/XX/XXXX18 i recevied the same call. i told them i mail out my payment and a stop harassment me. i'm never late on my credit bills. i told thm they is a grace period stope call me. i never late. they continue to harassment me.
Consumer complaint received 2022-09-26
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-12-09
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

Acting by authority of Title 15 USC 1635 ( a ), and 12 C.F.R. 226.23. On XX/XX/2021 I sent Rushmore Loan Management Services LLC ( Rushmore ) via certified return receipt mail ( XXXX XXXX XXXX XXXX XXXX ) my RIGHT OF RESCISSION Notice, and AUDIT TRAIL Request/Demand pursuant to 12 USC 5561 ( 4 ), and 15 USC 1692 ( g ) validation of alleged debt ( see attachments ). 

Their response, ... ( Rushmore refutes all assertions of any invasion of your privacy, or abusive, or unfair debt collection practices. Other information you have requested does not relate to the servicing of your loan or identify any specific servicing errors, is considered proprietary or confidential, isoverbroad, unduly burdensome, and/or not required to provide. ) does not satisfy the obligations associated with congressional law 12 USC 5561 ( 4 ) is non-compliant and violates my consumer protection right to rescind ; investigate, validate, understand and know that mandatory material disclosures were in fact delivered in this consumer credit transaction pursuant to 12 C.F.R. 226.23 ( b ) ( 1 ) ( I ) - ( v ). At present no such evidence exist.
Consumer complaint received 2022-03-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (SC)

My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against Midland Credit Management for committing identity theft. I have never given Midland Credit Management any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Midland Credit Management before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Midland Credit Management can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-03-26
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. (NJ)

XXXX BANK XXXX The results of the requested investigation did not produce the documentation from that investigation or make any changes to my credit profile. Therefore they, XXXX BANK have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-12-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXXPlease take a look at the original amount and the current amount. It doesn't seem right. Remove this collection from my credit report for its errors. 
XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX ; XXXX ; XXXX I am not late on this account. My record shows that this account was paid as Agreed and Past Due is 0. Please adjust immediately. XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX  DATA Date of XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX30days ; XXXX60days ; XXXX30days I am not late on this account. My record shows that this account was paid as Agreed and Past Due is 0. Please adjust immediately. XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it immediately. 

Equifax XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly ( Original Creditor : ) XXXX Balance : {$92.00} Please confirm the information shown in this account or delete this account information from my credit report, because I believe it may be erroneous. XXXX Date of inquiry XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it immediately.
Consumer complaint received 2021-12-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( 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 which i was not given.
Consumer complaint received 2022-03-26
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. (NJ)

XXXX BANK XXXX The results of the requested investigation did not produce the documentation from that investigation or make any changes to my credit profile. Therefore they, XXXX BANK have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2019-08-05
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. (LA)

On XX/XX/XXXX I requested that Experian investigate the XXXX XXXX  account ( XXXX ) as a XXXX  account. According to my credit report, the account was last updated XX/XX/XXXX. Meaning that Experian has never investigated the account when I sent in my dispute letters. 

This is a violation of the FCRA.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I deposited {$1800.00} cash at the Wells Fargo ( XXXX XXXX XXXX XXXX ) on XX/XX/year> @ about XXXX. It never showed up in my account. It also binged on phone when it went in and then seemed to disappear. I contacted the bank, they made a claim and stating now that they have no record of the transaction. Also made a police report. So far I have not received any help from Wells Fargo, just the run around. Any help would be appreciated. Thank you
Consumer complaint received 2017-06-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE ()

Dear Sirs,

I am writting to you to ask about the help.



I would like to report online scammer XXXX XXXX.(passport he send to me attached) He said that he is US citizen and he lives in XXXX in Minnesota.

I met him on XXXX site and after we spoke on XXXX and XXXX.

He trik me into a romantic relationship in order to force me to send him money. I attached print screen from our XXXX  conversation.

Below you can find some information that he gave it to me.and Photograph

XXXX XXXX" XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX
Washington




I know that he is using other people data and personal details to pick up the money and other frauds.


He claim that he is :
XXXX XXXX 
XXXX

but the photos that he is sending to the woman most probably belong to somebody else ..

Additional i have found another robbed by him person.

Details below.

she lives in XXXX and XXXX.
Her Name is XXXX XXXX
+XXXX 
XXXX XXXX was sending money to XXXX few time and one of the person who picked up the money was XXXX XXXX.   Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
This woman is from XXXX from the XXXX XXXX side (probably she is working in XXXX there..


> XXXX XXXX

> XXXX

> XXXX

> XXXX XXXX

> XXXX 


In one of conversation XXXX XXXX  claimed that the man below is his lwayer XXXX XXXX XXXX.(attached some info)

His name is: XXXX XXXX XXXX XXXX"
Consumer complaint received 2022-12-16
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. (NY)

Upon reviewing my updated credit report, unauthorized inquiries are being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The TransUnion Credit Bureau have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries removed : 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  XX/XX/2022. If you believe that the disputed inquiries belong to me, please send me copies of proof of verification or ownership to support your claims. In the absence of such documents, immediate removal of the disputed inquiries is expected.
Consumer complaint received 2021-12-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I am in the process of trying to buy a home. After revieving my credit report i see incorrect information that is being listed. The incorrect accounts listed are damaging my financial profile. I havent sent in multiple dispute letters in. The dates that the letters were sent were XX/XX/2021 an XX/XX/2021 to have the account investigated. The amount awed on the account was {$3100.00}. Account a high credit limit way over that amount, and does not add up. 

This account also looks like it would be out of the STATUTE OF LIMITATIONS. This account says that last activity date was XXXX.l. I have not received any investigation results in the mail. Please assit with getting this account removed from my credit report and investigated imediatley.
Consumer complaint received 2021-08-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (SC)

This is a written notice to XXXX XXXX XXXX who acts as the ceo of BB & T and XXXX XXXX XXXX who acts as cfo of BB & T that I the consumer who acts as the agent for XXXX XXXX am invoking my right to rescission 15 usc 1635. I rescind all signatures, endorsements, and consents of the use of my information. I demand all money be returned by check, I also demand the cancelation of any contract and security with you, and everything stated above mailed to the address of the principle XXXX XXXX in good faith.
Consumer complaint received 2021-12-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( 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 which i was not given.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

See highlighted information.

Every item that is circled and highlighted is a violation. Every account in violation needs to be removed. There are multiple federal violations and discrepancies in accuracy of reporting that will cause information to be reported after the statute of limitations.

I will be taking legal action for every item that is not removed as it each violation is breaking federal law per the Fair Credit Reporting Act.