davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I disputed this Alleged Collection Account XXXX on XX/XX/2021 I requested : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) an informed consent for medical treatment and ( b ) financial responsibility agreement, signed by XXXX XXXX XXXX and XXXX XXXX XXXX ( 2 ) a copy of all actual bills sent from XXXX XXXX XXXX XXXX XXXX XXXX with tracking numbers XXXX other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs.

( 6 ) Proof that this debt was an alleged account described by Title 15 section 1693A ( 2 ) demand deposit, savings deposit, or other asset account That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA, including, 15 U.S.C. 1692g ( b ), etc. 

First, you have failed to obtain and send me verification of the alleged debt as required by law. 
Therefore, you have not obtained and mailed verification of the debt as required under the FDCPA. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 

Second, you failed to cease & desist collection and delete your credit reporting of the alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person, e.g., a consumer reporting agency, credit information which is known or which should be known to be false.
Consumer complaint received 2023-04-01
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I have spoken with Nissan motor acceptance back in XXXX on the improper use of my credit report. I have asked that they follow the law and remove all transactions associated with my account as I do not give them permission any such transactions.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

EQUIFAX IS NOT ACCESSIBLE FOR MY XXXX  XXXX. I am a XXXX yr old Target by Profile XXXX  Vicitim of Ideninity Theft case XXXX. FINANCIAL INSTITUTIONS ARE ESSENTIAL. See attatched XX/XX/XXXX EQUIFAX CINFIRMATION XXXX. ADA COMPLIANCE Accessible Design, states ALL electronic & technology ( websites ) MUST be accessible to people with disabilities. VCAG 2.1 ADA COMPLIANCE. Equifax PROVIDES NO ACCESS. ALSO I AM VICTIM TO EQUIFAX BREACH XXXX.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My complaint is in regards to my unemployment lump sum fraudulently stolen out of my BofA checking account ( California EDD ). The amount was approximately {$17000.00}. and the timeframe was between the 2nd and 4th quarter of 2020. A person, who I knew, fraudulently and without my permission stole every penny from my BofA checking account without my permission. I tried resolving this matter with Bank of America but they did not overturn the money back to me. The bank also states that there is nothing that can be done. My hard earned wages through blood, sweat and tears will not stay in the hands of the bank when it could go into my daughter 's college fund. Please help me resolve this. I'd like the bank to be on my side, but they're not. I need your help. Thank you for your time and patience.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Please include or ammend this matter to the following complaints, all of which are related. 

Police ReportCOMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit card or prepaid card ISSUE Problem with a purchase shown on your statement
Consumer complaint received 2021-10-19
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: LEXISNEXIS (IL)

" XXXX Lexis Nexis You are violating my rights to privacy and I have proof that the bankruptcy court doesnt report any of my personal information to third parties proving you obtained my information without permissible purpose. "
Consumer complaint received 2021-10-19
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. (MI)

I have contacted Transunion, XXXX and XXXX regarding this debt that has been paid. They continue to give me the run around and not update this negative information. I have mailed letter after letter and nothing
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (OH)

On XX/XX/XXXX I received a call from Discover that they suspected fraud on our credit card account. They said a purchase was made at XXXX in XXXX OH and then the card was used two more times and rejected. I confirmed that I was at home and my husband was at work and neither of us made any purchases at XXXX that day. Discover closed our accounts, issues new cards, and removed the charges of {$61.00} from our account. 
I thought it was all handled and done. We then received a letter in XXXX stating that the charges were being put back on our account because it was not fraud.I called and talked to their customer service fraud department for an explanation. They said we couldn't prove the charge wasn't us and since it is a store we shop at, we are now responsible for the charges. The fraud department said they would review again but i have heard nothing since and it has been 30 days. The charges are still on my account saying I'm responsible to pay.
Consumer complaint received 2020-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC ()

Good morning, I have previously submitted the dispute for deletion of collection account from my credit report, please review your decision and delete this collection from my credit report. Initial dispute message : Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report Sequium Asset Solutions , LLC response : Good Day Mr. XXXX, please be advised that I have thoroughly reviewed your written complaint. Sequium Asset Solutions , LLC is a collection agency representing XXXX XXXX XXXX XXXX in association with a collection claim on account number XXXX. XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. As of XX/XX/XXXX, the account has been recalled by our client. Since we do not own the debt and the account has been returned to our client, a deletion request has been processed to have our account deleted from your credit file with the three major credit reporting agencies ( XXXX, XXXX  and XXXX ). Please note, the time varies by credit reporting agencies to complete the deletion request. There will be no further communication from our office regarding the account. On behalf of Sequium Asset Solutions , LLC I want to apologize for any inconvenience that this may have caused you. Thank you, XXXX XXXX, Corporate Compliance Officer, XXXX XXXX
Consumer complaint received 2021-01-26
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: LendUp Loans LLC (CA)

I am writing to FLURISH INC DBA LENDUP agency because I am having difficulties with buying a house and applying for new credit cards. I paid the account and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting FLURISH INC DBA LENDUP agency to remove this account from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

Following information not being reported properly with credit reporting agencies ; high balance, closed date & credit limit. 

Also ; In accordance to Fair Credit Reporting act Company, rights have been violated my rights. 15 U.S.C 1681 sect 602 A ( right to privacy ) & 604 A- consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (NC)

I left the XXXX XXXX  for ADA reasons. I haven't filed an ADA complaint over this yet but, I'm close to doing so. I don't owe this apartment community anything. I've submitting a XXXX balance receipt several times and it is still not coming off. This makes no sense. It's illegal to list this. it's a federal crime.
Consumer complaint received 2023-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings (TX)

I was put in collection while waiting for the trial court which I was a plaintiff. The defendant was cited but did not appear to the trial. After consideration and examination of all proofs, the judge found that I wasn't supposed to be charged but they must give my deposit back ; the judge ask me to find a debt attorney to get me out the collection, that's why I contact you before I take any further action. 
I try to contact them but it seems like they don't want to deal with me.
Consumer complaint received 2021-10-11
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. (WI)

Hi, I have contacted Trans Union XXXX XXXX about this same fraud account XXXX XXXX, on my credit report & they have not truly investigated properly. They continue to allow this 3rd party collection agency to report fraud on my credit report when it is illegal. The customer representatives I spoke to are rude, hard to understand & extremely insensitive & lack compassion. All the other credit bureaus have helped me with this matter & Trans Union is difficult & the same with getting false inquiries off my report, they make their dispute process so difficult & complicated for consumers, it's why I didn't join as a paid member again, as I am a member of XXXX XXXX XXXX because they truly work with you & help you get the results you need. Im attaching my previous complaints & reports with this complaint that they seem to ignore. The company XXXX XXXX XXXX has NOT legally validated this fraud account & yet keeps sending trans union the same copy of a bill any one could open a fraudulent acct. This fraud account has not been verified & it can't be, legally, & yet they keep reporting it as inaccurate with no contract between me & portfolio recovery & no contract even with the original creditor XXXX  XXXX, NO WET SIGNATURE. Trans Union is violating my rights by reporting fraud on my account from a 3rd party collection company more than 120 days!! This is truly unfair, It's a few hundred dollars, if it was mine I would have been paid, however, I refuse to be a victim of identity theft & pay some one else 's debt. THANK YOU!!
Consumer complaint received 2017-11-27
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (WA)

I have had a loan with Nelnet for many years. I had a hardship deferment when I left school due to a family emergency. In 2015 my loan went into forbearance. I renewed the forbearance several times. Each time upon applying for the forbearance they had done an adminstrative forbearance bringing my account current and late payments forgiven. The last time they did not do this even though I was told they would do so like they always had. I now have two late payments on my credit report due to this oversight, the two loans I have through them made it four total. This is the only delinquency I have to my name and am feeling the reprocussions. Some then, I 'm no longer in forbearance and have been making timely monthly payments to pay back this debt.
Consumer complaint received 2021-10-11
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. (GA)

15 U.S. Code 1692 consumer im not obligated to pay any debt.

The FDCPA only applies to third-party debt collectors, such as those who work for a debt collection agency. Credit card debt, medical bills, student loans, mortgages, and other kinds of household debt are covered by the law. 


XXXX XXXX Account number - XXXX Amount - XXXX date opened- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number - XXXX Amount - XXXX date opened -XXXX XXXX XXXX XXXX XXXX XXXX Account number - XXXX Amount - XXXX date opened - XXXX XXXX XXXX XXXX XXXX  Account number XXXX Amount XXXX date opened XXXX
Consumer complaint received 2020-11-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rocky Mountain Capital Management (FL)

I received a letter saying my credit card was sent to Rocky Mountain Capital Management for payment. I was threatened by a XXXX XXXX to be sued and garnisheed but I have SSI which is exempt from garnishment. He calls with threatening messages day and night under private. Garnishment against social security is illegal. 

He says he is suing me without a legal summons and complaint. He never made legal demand in writing for any bill. 


I can not even use my phone anymore and I am an accident victim.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Identity Theft : On XX/XX/2021 I discovered that an individual using my personal information, including my name, address, and Social Security number, fraudulently opened a timeshare account with XXXX XXXX XXXX XXXX without my authorization. 

Unauthorized Bank Account Connection : Furthermore, the individual responsible for this identity theft connected my bank account to the timeshare account for automatic payment. As a result, funds have been deducted from my bank account without my knowledge or authorization to cover expenses related to the unauthorized timeshare account. 

Notification to Authorities : Upon discovering this fraudulent activity, I immediately contacted my bank to report the unauthorized charges and initiated an investigation into the matter. Additionally, I have filed a police report with the XXXX POLICE DEPARTMENT ON XX/XX/2021 documenting the identity theft and unauthorized use of my personal information. 

Request for Investigation : I hereby request that the Federal Trade Commission ( FTC ) conduct a thorough investigation into this matter to determine the extent of the identity theft and take appropriate action against the individuals responsible. I also request that XXXX XXXX XXXX XXXX be notified of the fraudulent activity and instructed to cease all further transactions associated with the unauthorized timeshare account. 

Assistance with Resolution : Furthermore, I request assistance from the FTC in resolving any financial liabilities incurred because of this identity theft, including reimbursement for any funds unlawfully withdrawn from my bank account and the removal of any negative marks on my credit report associated with this fraudulent activity. This has affected my credit report and I have disputed this item with the three credit bureaus they are not helping please help cfpb I have enclosed copies of relevant documentation, including the police report, bank statements, and any other supporting evidence, to assist with your investigation. Please contact me at the above-listed contact information if additional information or clarification is needed. 

Thank you for your prompt attention to this matter. I trust that the FTC will take swift action to address this case of identity theft and protect my rights as a consumer. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-27
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. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-11-27
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. (FL)

I submitted my ID theft form in regards to unauthorized fraudulent inquiries that are listed on my credit report. XXXX XXXX multiple times, XXXX XXXX, XXXX, XXXX, XXXX/XXXX and XXXX/XXXX, also fraudulent accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, these accounts have been removed from my report by XXXX, but XXXX and XXXX has refused to block the fraudulent reporting accounts. They refused to investigate these account and delete them from my credit profile. This is hurting my credit!
Consumer complaint received 2020-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp. (FL)

I have tried to contact SE Toyota Financing by mail regarding my account and the late payments being took of my credit reports. During the past few years I've had to take care of my family and members who had severe illness and caused me to fall behind on some of my payments. This will help me out tremendously with my financial situation for myself and family.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXXXXXX XXXX XXXX Installment Loan Amount {$1300.00} Open Date XX/XX/year> XXXX XXXX XXXX Filed ID theft disputes with Credit Bureaus and Retailer. XXXX never followed up with proper investigation and follow FDCPA laws due. 
Never had a account. 

Demand for delete based on expired time
Consumer complaint received 2020-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO Bank, N.A. (IL)

This is a XXXX XXXX card, and we redeemed on line for XXXX earned points for 3 {$100.00} XXXX e-gift cards, with the codes supposed to be delivered within 3 days by email. This was a Saturday XXXX/XXXX/XXXX and when the codes did n't come within a day - which they have before- we called XXXX customer service and rewards # s on the website. There was no option to email. We were told it could take through til a business day, which would have been XXXX, for the e-codes to be redeemed. We waited until Wed XXXX/XXXX/XXXX, about XXXX CST, to call again at the number listed and were told that rewards is closed, on a week night, and no one can help us - no supervisor available and that XXXX customer service can do nothing. The rep on the phone also said she was the only supervisor for XXXX that I could speak to, and that there is no one else. 
My complaint is this -- poor customer service that in redeeming rewards, there is no one to speak to during the business week, outside of normal business hours. XXXX CST is ony XXXX PST and even earlier elsewhere in the world. How can customers have no one to speak to, when more than {$300.00} in rewards is outstanding and no one provided any service. 
We plan to close this card as soon as all the rewards issues are resolved and all redeemed. XXXX is supposed to be a premium card- they should always, always have rewards redemption help available and an escalation process to submit an issue. Not acceptable for a fee based card.