davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX DEPARTMENT STORE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (UT)

I have submitted a complaint with you about the incorrect reporting through Discover and XXXX XXXX. They are still affecting my credit and I haven't heard from either of them about these account. All they keep telling me is that they are working on " getting me the information '' Its been a month now. XXXX XXXX is the only on that gave me a date XX/XX/XXXX that I would hear back nothing about what that would be.
Consumer complaint received 2022-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IN)

Throughout the life of my student loans I have had several years that I was encouraged to go into forbearance by the loan provider, as I couldnt afford payments. Now I am learning that throughout that time frame, had I even made partial payments they would have counted towards my 120 months for my public service loan forgiveness. I feel as though I was misguided with this and in the long run jipped of a huge amount of time that could have been taken off my loan payment time!
Consumer complaint received 2022-10-05
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. (GA)

In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX reference # XXXX, 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.
Consumer complaint received 2021-05-25
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: Navient Solutions, LLC. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The Judgment Group (MD)

XX/XX/XXXX lien # XXXX ( tenants by the Entirety ) Closed District Court of Maryland For XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : In response to XXXX XXXX of the The Judgement Group Disputing my motion to vacate judgment # XXXX The information XXXX XXXX has finished you with is not completely true I am not working for XXXX XXXX, I am not a W2 wage earner. I have a real estate license and in order to keep my license active I must place them with a broker as an independent. Occasionally in the past I may refer business to other agents or put a home on the market on a commission base but I havent worked full time as an W2 for anyone in 20 years. I have raised my two daughters as a stay at home mother form many years. Now I am retiring soon and will be collecting Social Security. Due to XXXX and my XX/XX/XXXX XX/XX/XXXX I cant work at all, please see Doctors letter attached. 

All the information XXXX XXXX has sent you in Exhibits B, is from XXXX advertisements. XXXX notoriously pull, cut and paste information from unrelated blogs, and what looks like pieces of one of my old resumes. As a company XXXX XXXX will automatically place licensees information in their system, all brokers do the same whether an licensee is actively selling or not. You can contact XXXX XXXX and check my status, I am not working at all. 

The judgment group seems to diligently and in the cruelest manner go after money any way they can by seeking out and uninformed. I did not lie about XXXX XXXX, she did tell me that she would take my house when I tried to sell it. Additionally, I did not scream or yell at her, I am not that type of person. I believe in communicating as an adult in a professional manner. 

There are many reasons I am fighting this 12 year old unjustified judgment, 1 ). The original judgment holder XXXX XXXX XXXX XXXX tried to pass off to my family and I an old granite top kitchen counter, telling us it was new but that was not true. They knew it, thats why the owner of XXXX XXXX XXXX XXXX did not show up to court when I countered with a motion to vacate the judgment. Why the judge did not vacate the judgment at that moment I will never understand. 

2 ). I paid XX/XX/XXXXa XXXXXX/XX/XXXX for the install and asked them to remove the old counter and replace with a new one but they refused. 3 ). Collection agencies like The Judgment Group, have no idea how or why a judgment is placed upon an individual and they dont care, all they want to do is to collect the money. 4 ). The Judgment Group do not have a very good reputation, they have several business and customer complaints, I have samples of them in my first letter to the court clerk. I will keep fighting for my rights, XXXX XXXX XXXX XXXX tired to take advantage of my family and I and now The Judgment Group is doing the same. I will keep fighting until the day I die. 

XXXX XXXX
Consumer complaint received 2022-08-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (FL)

My name is XXXX : XXXX XXXX a federally protected consumer, and I am making this complaint against Aargon Collection Agency XXXX for committing identity theft. I have never given Aargon Collection Agency, 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 in accordance with Article XXXX, 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 not validated any alleged debt with Aargon Collection Agency and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Aargon Collection Agency any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Aargon Collection Agency 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 Aargon Collection Agency, 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 15 U.S. Code 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 Aargon Collection Agency, 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 Aargon Collection Agency, continues its collection efforts, I will file for litigation for actual damages caused and Aargon Collection Agency, 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 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 an account without my written instructions.
Consumer complaint received 2022-08-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The file reported is inaccurate and erroneous and is leading to a negative impact on my file. 
3 credit bureaus are required to authenticate this account under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below ; XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$0.00}. I respectfully request that XXXX credit bureaus would take a step to update that wrong information from my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By submitting this complaint, the Credit Bureaus must comply with my request either by proving that the information is accurate or remove the actions of their bureau.
Consumer complaint received 2022-08-23
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX, and I'm including it again. XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLIANT CREDIT UNION (CA)

I called Alliant for service and phone operator did not provide service. I asked for a manager but phone operator said she is the highest point of contact there is no manager abover her. At that point of time I have responded appropriately to the crooked phone operator for the intentional disservice. 

Following which I wrote a complaint against Alliant via XXXX. Alliant Credit Union has closed all my accounts because I reported them to XXXX. Alliant stated in their XXXX  response " We will coach representative after reviewing that call ''. This indicates Alliant agree their phone operator did not do the right thing. Hence I marked the XXXX  complaint as resolved, following which Alliant sent me a letter stating they have decided to close all my accounts for " my '' behavior during that phone call. 

This is contradictory to what Alliant have said in their response via XXXX. If they realize and confirm in writing that their phone operator needs to be coached, then why would they be closing all my accounts. This is only an adverse reaction from the business for me writing a complaint through XXXX. The crooked XXXX at Alliant are very clever, they first sent me a misleading response via XXXX  platform so I mark the publicly viewable complaint as resolved and after I did so they went ahead and closed all my accounts.
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I am on XXXX XXXX service with the United States XXXX XXXX. While on XXXX XXXX, I applied for the Barclays Luxury Card in XXXX. When I applied I was informed that due to my XXXX XXXX status, the card 's {$990.00} annual fee would be waived, as well as zero percent interest charges during the duration of my XXXX XXXX status. Barclays Luxury Card honored this " XXXX XXXX XXXX '' for only one year. Each year thus far, ( XXXX ) I have been charged a {$990.00} Annual Fee. There will also be another {$990.00} Annual Fee posting to my account in XXXX of XXXX. I have spoken with other colleagues that were grandfathered into the original " XXXX XXXX XXXX '' due to their ongoing XXXX XXXX status. 

Please see supporting Documents attached as well as links to news article concerning this matter below : Link to article XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-27
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: EQUIFAX, INC. (IN)

I have been fighting with the bureaus regarding accounts on my credit report that need to be removed that aren't mines, and yet here I am again receiving debt collection calls about accounts that I have never opened, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, and a few others. I have included them in my police report as well as my FTC Report. I should already have a fraud report on file, there should be no way companies are able to run my credit without me being notified, I have recently changed my number due to the heavy call volume of debt collectors reaching me on things I never purchased. I never had any banks or debits until I found on by recently checking a credit report of mines. I want these items investigated and deleted, also want them blocked. I had a car that I paid in full sent in documentation of it being paid in full and being signed over to me from the XXXX  XXXX company and it has showed back up ... PLEASE FIX THIS. This is draining. All the fraudulent inquiries from phone and finance companies, XXXX accounts. Just alot of things done without my consent.
Consumer complaint received 2022-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (ME)

Direct deposit was authorized on XX/XX/XXXX, XXXX and have been missing that deposit still as of today Chatted thru virtual chat a few times and also a phone call on XXXX XXXX Still the issue is not resolved The amount is {$630.00}
Consumer complaint received 2022-03-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd (DC)

XX/XX/2022 - I sent an international transfer of {$1000.00} through XXXX website to XXXX to a family friend to cover unexpected medical expenses and in the reference field i had written " from XXXX ''. 
XX/XX/XXXX and XXXX of 2022 - I received an email from XXXX asking for additional information : A detailed purpose for this transfer ; my relationship with the recipient ; and what. " XXXX '' refers to the reference field. 
XX/XX/2022 - I answered the questions and in particular disclosed that XXXX is my wife. 
XX/XX/2022 - I received an email from XXXX asking for Full name, date of birth ( dd/mm/yyyy ) and place of birth of my wife XXXX XX/XX/2022 XXXX I called Wise support to find out why Wise needs my wife 's personal information. XXXX answer was that this is a regulatory requirement. 
XX/XX/2022 - XXXX wrote and said that they will reject the payment if they don't have my wife 's personal data. 
XX/XX/2022 - I replied and mentioned that the fund was already in the recipient account and that it was withdrawn and inquired as to what would happen if I go the route of cancelling the transaction. I also asked for the following information : May I please know which regulatory body is requesting this information. Is this a US regulatory request or is it the XXXX  governing request? Can I please get the text of the regulation where it states that information related to relatives of the sender of the transaction is required? May I also please know what constitutes the " detailed purpose of this transaction ''? 
XX/XX/XXXX XXXX I received an email from XXXX XXXX again with a boilerplate template answer that they need the information due to regulatory requirements and they just sent me a link to the user agreement. XXXX failed to answer any of my questions specifically as to why XXXX was requesting my wife 's personal data. Furthermore, XXXX threatened to close my account. 
XX/XX/XXXX XXXX I replied to XXXX XXXX the information they requested. Since I had done business with XXXX for many years and had all my contacts established in application, I did not want my account to be closed by XXXX. I was hence forced to give up my wife 's personal data. I requested XXXX for the contact information of someone in the chain of management and corporate office address to escalate my grievance. 
XX/XX/XXXX XXXX I received a message from XXXX XXXX that the matter is resolved. XXXX however again failed to provide any specifics as to why they required my wife 's personal data except by providing the same generic answer that they under regulatory requirements to do. XXXX did not provide me with the regulatory statute enabling them to cast such a wide net of collecting personal information of relatives of an account holder. XXXX did not provide me any escalation point for this matter ( i.e. someone in management chain or corporate office contact )
Consumer complaint received 2022-09-22
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

on XX/XX/22 dispute letters for XXXX and Equifax were sent off in regards to inaccurate information being reported on my consumer report. It is to my understanding that there are certain laws in place that consumer reporting agencies must follow, or in turn they can be fined {$1000.00} per violation, or even criminally and civically charged if these Federal laws are violated, as they are not above the law. Attached in this complaint is a picture of the inaccurate information being reported by XXXX and Equifax. As we both know to report false information without full validation and verification after being provided proof of inaccuracy is violation of FCRA section 623 which is defamation and willful injury. Also neither Reporting Agency failed to report that this item was in dispute on my consumer report. This account needs to be deleted immediately, you've already had 30 days and have yet to complete or start any investigation of this account. You are now in violation of 1681i ( 5 ) ( A ) ( i ) which states " If 30 days have past information has not been verified within that time of reinvestigation, the information must be deleted ''
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I moved out of an apartment complex call XXXX  at XXXX XXXX on XX/XX/2021 and requested an itemized bill. I also provided my forwarding address and the manager replied they would send me an itemized bill when it was ready, but they sent my account straight to collections without sending me any notification via mail, Email, phone, nothing. I also had a coapplicant And they did not contact him either with the itemized bill or past due balance or anything. The only reason I saw it was because It appeared on my credit. I sent them all my emails requesting bill information and they never responded they ignored me and sent my account to collections.