davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dunlap Gardiner LLP (GA)

I have new and updated information regarding complaint number XXXX. 

A contract can only be valid and legal if theres a legitimate enforceability agreement between two parties. There are several aspects that make up such an agreement : there must be an agreement between both parties formed by an offer and an acceptance, the consideration, which is a promise that is supported by something of value, and the contract must have legal purpose. Without these four critical aspects, the contract can not be legal. 

XXXX XXXX does not have firsthand knowledge of the specific details of the purchase of my home. This company, its associates, and client XXXX XXXX Homeowners of XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX referred to the XXXX was not present during the closing of the home and can not speak to the facts of that situation. According to XXXX XXXX, upon purchase of a property in the community, the purchaser automatically becomes a member of the homeowners association by default without any legitimate agreement between the consumer and the XXXX and is subject to the terms and conditions found within the declarations. XXXX XXXX has provided a clear example of why congress felt the need to write the FDCPA, to protect consumers from abusive, deceptive, and unfair debt collection practices as displayed by XXXX XXXX, and the XXXX as well as protect the consumers right to privacy. 

The fact that XXXX XXXX and the XXXX has ignored my numerous requests to see the legitimate enforceability agreement, or the documentation that gives them the legal right to attempt to collect anything from me proves that theyve infringed upon my federally protected consumer rights and that this alleged debt is not legal and have been predatory from the very first time theyve demanded payment from me.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (VA)

During my annual credit health check, it was discovered that said collections owed to XXXX XXXX were owed by me. I attempted to contact XXXX, who did not have any information on debt. Who then directed me to " Convergent Outsourcing '' who could not provide an email or mailing address. When asked when was initial notification of debt sent out, they said it had not. Information other than social is incorrect. When asked to dispute, they directed me to file a police report. No type of resolution or attempt by a debt collection agency to resolve.
Consumer complaint received 2023-04-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Pegasus Legal Capital, LLC (NJ)

I took a loan out for XXXX XXXX dollars then a loan company name Pegasus purchased my loan for XXXX and now they are charging me XXXX as repayment. I have a lawsuit going into settlement and my lawyer made me aware of this. I tried calling they are not trying to help me.
Consumer complaint received 2023-08-08
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. (TX)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (MI)

Dear Sir or Madam, I applied for XXXX as a XXXX recently ( XX/XX/XXXX ) and they initiated a background check on me, which is fine, as I am a XXXX and have been fingerprinted and background checked out the wazoo. 

Then Checkr, the company with my credit report, wrote me with a copy of my report ( XX/XX/XXXX ). I was disappointed to see that one of the background check categories said " Consider ''. The report brought up a XXXX  XXXX XXXX ( of which I was XXXX ), but it was from XX/XX/XXXX. That's 15 years ago. The Fair Credit Reporting Act ( FCRA ) clearly  states that information more than 7 or 10 years old that is negative may not be reported. 

I emailed Checkr and informed them of this and that it was a violation of my rights, but I am already being screened by XXXX based on this background check. I hope it does not affect my chance of being hired. Thank you for taking this into consideration. 

XXXX
Consumer complaint received 2023-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NH)

Several of my accounts are showing late payments, this should not be as all my accounts are in forbearance. 

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 U.S.C 1681.

Accounts with Nelnet 15 USC 1681 Section 604 A, Section 2 ; It also states that a consumer reporting agency can not furnish a account without written permissions.

15 USC 1681 c. ( 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 USC 16818-s-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 accurate.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (LA)

I, XXXX XXXX XXXX XXXX of XXXX, have been impacted by the XXXX Data Breach ; as a result, I have been a victim of identity theft. After reviewing my credit report, I noticed several inquiries that are not mine, and I have no knowledge of these inquires. I have no account with the companies listed. I have provided my FTC report for accuracy ; please review.
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (CA)

DISCOVER BANK - This account has been paid off and the company either has no record of my account or does not have the ability to take it off my credit report. I have contacted the company and would like some resolution. I do not want this on my credit report.
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (CA)

AMERICAN EXPRESS - This account has been paid off and the company either has no record of my account or does not have the ability to take it off my credit report. I have contacted the company and would like some resolution. I do not want this on my credit report.
Consumer complaint received 2023-08-11
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 am writing to formally complain about the reporting of late accounts on my credit report, which I believe are inaccurately reflecting my credit history. I have thoroughly reviewed my credit report from your agency and have identified instances of late reporting that I believe require immediate attention and rectification. I have outlined the details of the disputed late accounts along with an explanation of the inaccuracies, the late payment reported on the aforementioned accounts are not accurate. I have maintained a history of timely payments according to the terms and conditions of my agreement with the creditor. I have enclosed supporting documentation, including payment receipts and bank statements, that verify my consistent and on-time payments. I request that you conduct a thorough investigation into this matter and rectify the inaccuracies promptly in accordance with the Fair Credit Reporting Act. I am seeking the correction of the late payment status associated with the mentioned account. I understand that, as mandated by law, you are required to investigate and respond to disputes within 30 days. I anticipate your prompt resolution of this issue and request that you provide me with a written confirmation of the correction once the investigation is complete. In addition, I kindly request an updated copy of my credit report reflecting the accurate and corrected information. Your assistance in this matter is essential to ensuring the accuracy of my credit history. These are the accounts that needs to be correct by the Credit Bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (NC)

In accordance with the FAIR CREDIT REPORTING act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 1 ) Acct name : XXXX XX/XX/2023 *15 U.S.C.1681 602 ( a ) ( 4 ) : States I have the right to privacy. *15 U.S.C.1681b 604 ( a ) ( 1 ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions. *15 U.S.C.1681c ( a ) ( 5 ) : 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-2 623 ( a ) ( 1 ) ( A ) : States a person shall not 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. I, XXXX XXXX give third party authorization to communicate with ( Equifax )
Consumer complaint received 2023-08-18
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-11-17
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: Experian Information Solutions Inc. (CA)

Despite all of my previous written requests ( with tracking through Certified Mail ) for Experian to provide me with the physical documents, the name of the person in their company who verified that disputed accounts are accurate and belong in my file, and what documentation did they use to verify that these accounts are accurate and belong in my file, Experian ignored my rights and instead told me that they 're labeling my dispute as Frivolous. 

Frivolous is defined as, having no sound basis, or lacking in seriousness. However, I can assure you that the laws defined in the FCRA are of sound basis and should be taken very seriously. 

Experian 's actions clearly demonstrate that they are in violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and Experian 's responses to them. 

XXXX Law Dictionary, defines Verify as : 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' And, Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

Experian 's written response states that Experian has reinvestigated these accounts, and verified them as being accurate, however, it is obvious that Experian has not verified any disputed account physically, as requested because Experian has n't provided any such documentation from the Creditor maintaining the account with Experian. 

All Experian has done is relayed electronic information given to them by other sources, and now Experian is attempting to shift the burden back to me to prove that the reported items on the disputed accounts listed in my dispute letters are not valid, which is clearly in violation of 1681 ( a ) ( 4 ) of the FCRA. 

I am drawing the conclusion, based on these stated facts that Experian does n't have any proof on file to verify that these accounts belong on my file. 

When we go to litigation Experian will be required to produce the documents they used to verify these items through the discovery process, and since Experian does n't have any documents in their files verifying that these items are valid, then that will be proof that Experian did not properly verify the accounts, and they will have to be deleted and I will be entitled to monetary damages for defamation of character. 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to promptly DELETE all information which can not be verified. These laws are very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 of the FCRA ) if Experian fails to comply with Federal Law.
Consumer complaint received 2022-07-15
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. (FL)

In accordance with the fair Credit reporting act XXXX Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXX, XXXX  XXXX  XXXX  XXXX  Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXX Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXX Account # : XXXX have 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 an account without my written instruction or consent.
Consumer complaint received 2019-04-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

wells fargo raised my payment 3 mo in a row.I contacted att general so this stopped..then they started charging a 45 % late fee which they stopped and deny..It has been 8 months since I made a payment.I have asked about 8 people in the executive office to forclose.they seem to refuse..the house has been vacant since XX/XX/2018.last week, I sent in a letter to surrender the property..I got a packet with a lot of lies..they are going to keep charging me payments and late fees.this could go on forever.I am a XXXX yr old, with lots of health problems.I don't even make XXXX per month, and can not afford this propery since my son had to move because wf kept raising his payments the inspector went out and verified that the property is vacant and said the doors would be boarded up and the house winterized..It needs a tarp on back flat roof as it is leaking badly..wf is also not sending the inspector back out..all they want is to keep charging payments and late fees ... I need your help badly. thanks
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I contacted Experian, XXXX and XXXX  credit bureau in regards to a repossession account with XXXX XXXX. I cited 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

Due to the fact that I was never notified of the vehicle being sold and a few other errors on this account. I was not provided with any copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

It was just simply placed on my reports as " Subscriber reports dispute resolved - consumer disagrees '' and " Completed investigation of FCRA dispute - consumer disagrees ''. 

I have not been provided any of the things to prove this debt is mine. Therefore they are in violation of my rights.
Consumer complaint received 2019-04-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Regional Management Corporation (TX)

I'm trying to make a principal payment to the loan in order to pay it earlier. They say that their system won't allow it. Any extra payment I make part of it will go toward future interest and the other part toward principal, even though I'm making the regular monthly payment. I want they to apply all the extra payments to principal in order to reduce the interest payments and term of the loan. 

They never disclose that when I signed the loan agreement.
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

In XXXX of 2019, XXXX, XXXX sold and transferred our mortgage to another mortgage company, now called Mr. Cooper, formerly XXXX, XXXX. 

There were no late payments on our mortgage with XXXX XXXX XXXX  . 

The transfer took place during the month of XXXX, 2019. And as soon as we received notification from Mr. Cooper, we remitted our mortgage payment for XXXX - this was on or around XX/XX/2019. 

There are currently no late payments to Mr. Cooper, formerly NationStar. 

The Seterus mortgage loan was marked as CLOSED, rather than SOLD/TRANSFERRED to the credit reporting agencies, and as a result, my personal XXXXredit score plummeted 40-45 points. 

To the date of this complaint, XX/XX/2019, the loan is still marked as CLOSED, and both my and my wife 's credit scores have been severely impacted. 

We have been in discussion with Mr. Cooper to get this situation rectified, but they are relaying confusing and often contradictory information regarding the way this loan is being reported and is going to be reflected on our credit reports and with the credit reporting agencies. 

While the company Seterus is now " closed '' and is defunct, a representative at Mr. Cooper is telling us this is why our mortgage is being reported as CLOSED. 

This is factually incorrect, as our mortgage was sold and TRANSFERRED to Mr. Cooper, formerly NationStar. 

Also, we have recently found out the XXXX XXXX XXXX actually XXXX XXXX XXXX XXXX from XXXX - so there is no reason on earth why our mortgage should ever have been reported as CLOSED, which again, has affected our credit scores.
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2023-08-11
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. (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The following accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. The following accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX case # XXXX They have closed the complaint incorrectly that I opened this credit card with them when I was not living in the state of XXXX  at the time, but was living in XXXX.