davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: EQUIFAX, INC. (NY)

To whom it may concern, I was looking at my XXXX XXXX on XX/XX/22 and noticed a big drop in my credit score. I see I have a collections from XXXX XXXX  for {$1600.00}. This company had tried to contact me weird hours in the past and i thought it was spam and explained to them they had the wrong person. They are saying the original creditor was XXXX FOR XXXX XXXX XXXX. This is identity theft or fraud as i never authorized anyone to use my name as I never even had a cable bill in my name. I have attached the credit karma of them in my collections.
Consumer complaint received 2021-05-24
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. (NY)

I contacted the credit reporting agencies on XX/XX/21 about the Fraudulent accounts that are appearing on my credit report. under 15 USC 1681C-2, these fraudulent accounts should've been removed after 4 days, but yet these credit reporting agencies did not remove the items. they instead chose to broke the FDCPA/FCR laws. As a consumer and the one with ALL THE POWER, these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. SO If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). please see attached invoice and pay it immediately upon receipt of this letter.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (OH)

On XX/XX/XXXX, I was notified that my job was closing in XXXX, I'd have to relocate to XXXX  or lose my job ; I chose to relocate & immediately gave a 30 day notice to the Apartment Management. At this time I was current on my rent, I paid XXXX ( even though I moved out XX/XX/XXXX ) & expected to be billed for XXXX through XX/XX/XXXX ( the full 60 days that they required ). I also anticipated the XXXX cancel fee for breaking my lease early ; at which time, my employer was willing to pay they just needed the final statement ; THAT I'D NEVER SEE. I logged in to the online portal & saw that they billed me a full month, late fees, etc = XXXX. I immediately called. The first girl XXXX, stated that she didn't even know that I moved. I told her I wrote an email, brought a physical copy with that & the exit paper from my employer. Plus, on XX/XX/XXXX, XXXX the XXXX  working in the office came & wished me luck. We did the walk through & everything looked good ; he told me that I wouldn't receive any damage-charges, but that they will keep the deposits for the apartment and the pet ; he didn't know if the pet deposit would go towards rent or the XXXX. Attached are the pictures, one picture you can see him in the doorway holding the for my daughter pulling a rolling basket of last minute items. Then she said that they found the notice but that XXXX the office manager stated that I'd continue to be charged the rent until I paid the XXXX. No, this is not true, I consulted an attorney & he stated that I should have received the final bill for the XXXX & possibly rent. I inquired on this until XX/XX/XXXX, it never got taken care of & the bill just continued to grow. XXXX, I received a collection call from a man who was horrible. He stated that I trashed the place, it was my responsibility to pay & that I was breaking the law by not doing so. I told him I hired a cleaning service, took pictures & did a final walk through - he continued to be very threatening. I spoke to his manager, advised her of that conversation, offered to send the pictures & even that all I wanted was the final bill. But that this better not report to my credit. And I'd be happy to see them in court. I recalled the attorney : XXXX XXXX he reached out to the collection agency via letter direct. When I called back to that agency spoke to XXXX XX/XX/XXXX ; she stated that they did get the cease & desist, forwarded the dispute to the property at that time was XXXX & were waiting for a response. I never heard anything back. But I pulled the XXXX & see that its there & even though they lowered it from the XXXX that it was up to online, it was still incorrect. I have attached the pictures & one of the time stamps from that same day ( can provide the rest if need ). And now the option for the employer to pay has passed/expired. This was a scam from the beginning & the office was lazy in their handlings of the matter, it is their fault, not mine that this wasn't correct YEARS ago.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I recently pulled a copy of credit report and noticed credit inquiries that I have not authorized nor do I have any knowledge of. There are inquiries from creditors, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I reached out to the credit reporting agencies to report this information along with getting it resolved. I have yet to receive a formal reponse I have the right to privacy and have not given any written consent for this information to be furnished to my profile, doing so is in violation of 15 USC 1681B. 

Further furnishing information to my profile due to identity theft is also in violation of 15 USC 1681 c-2
Consumer complaint received 2023-02-08
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Suttell, Hammer & White, P.S (CA)

Suttell and Hammer, APC filed lawsuit claiming to represent XXXX  XXXX XXXX for alleged credit card debt, however they are not cooperating by ignoring discovery rules, not filing mandatory forms, allowed XXXX XXXX XXXX, unknown attorney and possibly a newly appointed judge appear at initial trial conference XX/XX/XXXX and ask for a non jury trial. The court set the trial date with this attorney who did not sign the complaint, is not employed by this firm, in fact is sole proprietor of her own law firm. Certain documents I mailed in a month ago werent posted by court clerk until I sent 4th sets with confirmation signature, court rules are clear. Before a trial is set theres a list of things required. I had car trouble that morning car wouldnt start so I missed the hearing, however the judge had a choice to excuse parties from appearing and utilize the mandatory trial conference form instead. The court rules say its mandatory however the opposing attorney did not file one. He filed an at-issue memo instead. Mandatory due to Covid form is required plus he wasnt there. This firm has been suspected of running a sophisticated scam by working with XXXX and XXXX XXXX collection agency to produce old debt in high volumes to use the courts to get judgements to collect money with proving the debt is owed by consumer. XXXX complaints signed by robo signers never signed by attorney or even looked at by attorneys. They lie claiming they are retained by XXXX  XXXX XXXX. The fact that they are attorneys the consumer assumes or is under the impression they cant win, and dont answer the complaint. Well I did answer but how a court grants a trial based on no discovery no contract agreement with my signature not even a bank statement!?? Is beyond me plus to an attorney not a party to lawsuit. Im being denied due process of Law. Substantive. Plus Im judgement proof and attorney was sent proof. He knows I do not have anything but social security benefits, no property, assets, retirement no XXXX savings nothing. He knows I have been permanently XXXX since XX/XX/XXXX yet hes clearly planning to take my government SSDI benefits.
Consumer complaint received 2019-11-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I sent a certified letter to Bank Of America indicating a inquiry on my personal credit profile I did not authorize. Bank Of America wrote me a letter in XXXX stating they will send a notification to the credit bureaus to remove such inquiry. I then submitted this letter from Bank Of America to XXXX  that acknowledged the letter and deleted the inquiry immediately. 

However, Bank Of America did not submit the notification to XXXX to remove the fraudulent inquiry as well. 

So I am submitting this complaint with hopes that Bank Of America will honer their letter to me and request XXXX  to also remove the unauthorized inquiry as they stated in the initial letter addressing my concerns.
Consumer complaint received 2019-11-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TN)

I have pleaded with this company on many occasions of the amount they want a month. I can not afford to pay what they want and stated that to them. They state that is the least amount they will take. I do pay at least {$75.00} a month. This is about to go into default now. The company is Firstmark services. When XXXX XXXX XXXX had this account we never had a issue then they sold this to Firstmark and it has been a mess ever since. There should be recorded calls of me asking them to work with me.
Consumer complaint received 2018-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

{$4000.00} Cashiers check was deposited at the branch in person. Teller placed a Reg CC hold on check improperly. Per Reg CC and the banks own deposit agreement, the first {$5000.00} of a cashiers check is to be made available the next day.
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to bring to your attention a discrepancy in the information pertaining to my accounts held with your bank. According to my recent credit report, there seems to be inaccurate information regarding the status of these accounts. 
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
Consumer complaint received 2023-01-19
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: ERC (FL)

This has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XX/XX/2023 {$910.00}
Consumer complaint received 2021-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act ( EQUIFAX ), 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. also states a consumer reporting agency can not furnish a account without my written instructions. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2020-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY XXXX XXXX
Consumer complaint received 2019-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I told XXXX XXXX  and TransUnion that this debt was not suppose to me reported the company agreed to delete this debt. I have made complaints against this company. I will attach all documents to show this debt needs to be removed from my file. 

They have violated article 807 and 808
Consumer complaint received 2019-11-11
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: Nelnet, Inc. (MA)

DEPTEDNELNET XXXX This is the payment remarks. As you can see, it started late 90 days right away without prior late remarks. 

XXXXunkown OK OK OK OK 90 days late 120 days late unknown unknown unknown unknown unknown OK OK OK unknown unknown unknown OK OK OK OK OK 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  OK OK OK OK 90 days late 120 days late unknown unknown unknown unknown unknown OK OK OK unknown unknown unknown OK OK OK OK OK 90 days late 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 2018-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. On XX/XX/2016, I noticed an error on my payment history and it was not resolved until XX/XX/2016.I just check my credit report and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. I have paid this card off fully as agreed to by the credit card company but when I just checked my credit report this is showing as having 90 days past due in XX/XX/2016. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX XXXX at XXXX and they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help in resolving this issue.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have been a Cabelas XXXX XXXX card holder for XXXX plus years. I had one issue during that period that was easily rectified. In XXXX 2018 Cableas switch to Mastercard, during this transition I received no statement so I called them, I paid them over the telephone and mailed the remainder total amount due immediately that same day. I have never carried a balance over my 30 years of having a card. 

Since then I received a new statement {$1200.00} new balance, no previous balance, but includes an interest charge, {$59.00}! the interest charge they claim is based upon a pre-projected amount I usually charge of {$3900.00}!
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (AR)

Credit collection services is in Violation of my privacy. 
pursuant to 15 usc 1692e ( 11 ) I never received any notification or certified mailed documentation from Credit collection services about the alleged debt they are trying to collect on. This is the third time this corporation has tried to collect an alleged debt from me. The previous 2 were in fact deleted. A deletion is basically admitting your at fault.

cCedit collection services are in violation of 15 usc 1681 due to obtaining my non-public personal information.

Due to receiving text messages I did not opt into Credit collections services is in violation of 15 usc 1692 ( d ) ( 5 ) This company has defamed my character I have not been able to obtain anything I extend my credit to due to this corporation.