davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

My last few complaints were marked as duplicate. The company failed to answer, they then requested more time and now its been marked as a duplicate complaint. I have yet to get answers as to why Resurgent Capital/LVNV Continued to try and collect on a debt from XXXX and XXXX that was not my debt as I was the victim of identity theft. The XXXX card that they have continued to try and collect on up until this past XX/XX/XXXX was also the very same card that they got a default judgment on in XXXX. This has since been pulled out of the courts in my favor due to identity theft. The amount Resurgent is trying to collect on the very same card is a higher amount. How does one collect on a card that was never mine and then the courts removed it yet you ruined my credit over this card and a XXXX card. And why would you still be trying to collect on these cards when you know very well that these were part of my identity theft? Also the state of California has a statute that you should read up on. Had Resurgent /LVNV done the correct thing my credit would not be a mess today but they refused to report this as an identity theft and continued to try and collect on cards that were not mine and were 20 years old. I would like some answers. I also want to know why it took Resurgent up until this past XXXX XXXX XXXX ) for them to realize a credit card from XXXX and XXXX were fraudulent cards?? I believe that I had been telling them this. Or why were they trying to collect on a card that was kicked out of the court when a default judgment was granted and then removed?? and why is the amount different and much higher than what the courts had down. I mean come on that is quite a few years they have been trying to collect money from me ... on cards that are not mine.They also reported me incorrectly for many, many years which had a profound effect on my credit they ruined it.. I would like them to go back in and fix the mess they created with all three credit reporting bureaus.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 {$2100.00} **** This is a FCRA law violation. I was never late. 

XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX froze my XXXX debit card they have both givin me no reason why I am now homeless with XXXX XXXX XXXX no money no answer I have recorded 14 direct answers from edd and bank of America claims and its all to much im contacting a lawyer if my kids have to stay outside in the cold another day im going to loose it and this has been going on since XX/XX/XXXX I have even been hung up apon by both edd and bank of America several times they put me on hold and dropped my call I person hung up on me in mid sentence this is supposed to be for covid 19 cause cant work well now me and kids exposed to everything and everybody to be honest im thinking of XXXX XXXX and im  serious
Consumer complaint received 2021-09-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

About i went thru a brooker to get a V.A.loan and was placed with XXXX XXXX to start my payment was XXXX at 4.8 percent intrest rate, in about a year my payment up to XXXX the intereast stayed the same.now the whole time i was never late with my house payment. I called XXXX asking the about refinanceing to get my payments lower because i ; m a XXXX XXXX on XXXX percent disable with XXXX XXXX XXXX XXXX on a budget and would like to get my payment down they were not interested. I got hold of vennsa from American and they were happy to refinancs=e me to get mymeric payments lower. after getting the paper work done with A merican XXXX said the only thing left was to get the buyout from Rushmore/ Well thats when the problems started, i contacted Rushmore on the XXXX XXXX after waiting two weeks and hearing nothing from rushmore. XXXX and her boss XXXX ask me if i mind them getting hold of Rushmore. aftrer two weeks Rushmore came out saying i owed back payments fromR XXXX which i had to go to my bank to show that was a lie. after that they came up why they would not give American the buyout ; Finally after going back and forth on XXXX XXXX they recived the buyout from Rushmorealmost 3 months. Iin the mean time Rushmore went tto XXXX the credit reporting company saying i was 3 months behind on my mortage and my credit score went from almost XXXX XXXX to XXXX
Consumer complaint received 2020-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (CA)

The Collection Agency reporting false information on my credit file is not only unacceptable ( as i never engaged in a contract w/ my signature w/ them ) but is unlawful and violates at least 2 of many of the FDCPA rules and regulations. Validation of debt section 809 and unfair deceptive practices section 15 USC 1692f. FCRA section 609 / 610 Disclosures to consumers 15 U.S.C. 1681g ( a ) states in laments terms to provide this said information ( contract ) with my signature engaged with said company. Nothing has been provided. Prior collection agency was removed due to its unlawful reporting and now this new one is doing same. I owe this Collection Agency whom I never heard of NOTHING! ZIP! ZILCH! and somehow they remain on my credit report! This is now causing great emotional distress to myself and family a it is limiting my credit score and especially at a time of need and for absolute no good reason! If the CFPB is unable to right this wrong I will go to the FTC and sue for emotional distress up to 12 times! If you are unable to validate this assumed fairy tale debt and provide a contract WITH MY SIGNATURE by LAW then have it removed ASAP! Enough is ENOUGH!
Consumer complaint received 2020-11-09
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX # XXXX. This was a paid for deletion account. I agreed to pay and they would remove this account from my credit report and the payment HISTORY is inaccurate as has been paid for quit sometime now and still reporting negative information as of XX/XX/2020. 

Please deleted ASAP as agreed for payment.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2020-11-08
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of someone else.
Consumer complaint received 2022-10-10
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. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-09-06
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)

XX/XX/2021 I submitted a credit dispute to Equifax due to a negative line of credit from XXXX XXXX in the amount of {$11000.00} due to an auto repo. I exercised my right under the FCRA rule 611 ( a ) ( 6 ) ( Biii ) which states that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shell be provided to the consumer by the credit reporting agency. 
On XX/XX/XXXX, i received in the mail a generic computer generated response stating that the account had been verified as accurate. 
To make matters worse, the same account appeared double on my credit credit file. first account # XXXXand second account # XXXX with the last two digits of the original account number missing. Which unfairly brought my credit score down even further. 
The credit reporting agency mandates that a debt collector must delete their reported collection if account has been tampered with.
Consumer complaint received 2021-07-03
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: Thaxton Investment Corporation (TN)

I decided to pull my credit report and noticed that I had not only incorrect names and addresses listed but also 3 accounts listed that did not belong to me. These 3 accounts are in derogatory status. I had to file for ID theft in XX/XX/2000 and I believe these accounts may have been opened by the same people. Further, I also had 17 inquiries which do not belong to me. I am not responsible for the above referenced information.
Consumer complaint received 2021-07-03
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: Experian Information Solutions Inc. (TN)

I decided to pull my credit report and noticed that I had not only incorrect names and addresses listed but also 3 accounts listed that did not belong to me. These 3 accounts are in derogatory status. I had to file for ID theft in XX/XX/2000 and I believe these accounts may have been opened by the same people. Further, I also had 17 inquiries which do not belong to me. I am not responsible for the above referenced information.
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (MS)

Equifax, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-09-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with CNAC/XXXX  / J.D. BYRIDER. I have always made my payments on time. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY REPORT IMMEDIATELY. 
CNAC - XXXXBalance $ XXXXDate Opened : XXXX XXXX, 2017 CNAC/XXXXXXXXBalance $ XXXXDate Opened XXXX XXXX XXXX, 2017 J.D. BYRIDER-Balance $ XXXXDate Opened : XXXX XXXX, 2017
Consumer complaint received 2020-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX/XXXX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of someone else.
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-12-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (NC)

XXXX XXXX I switched my direct deposit from one bank to money lion ( XXXX XXXX  XXXX thinking it would help me with cash advance as advertised but it did not for 1 months I waited thinking would be able get cash advance still got nothing so I contacted them. They couldn't give me reason why I couldn't get a cash advance so I asked to speak with a XXXX on 3 different occasions just never got call back from anyone. So few days later I called them back finally spoke with a rude XXXX that couldn't give me a real reason she told me they couldn't identify me but my direct deposit goes to they bank along with my socal # address and all my info but they couldn't identify she says. I asked her if i could cancel my account she told me I had pay interest on loan that was never completed. Won't let me cancel until I pay interest charges
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-10-07
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. (TX)

My name is XXXX XXXX. I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Consumer complaint received 2020-10-07
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My name is XXXX XXXX. 

I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Consumer complaint received 2022-11-19
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: Atlanticus Services Corporation (MD)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 US 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX Ive reached out to Trans Union about a dispute against an item on my credit report from XXXX consumer. I have shown legitimate proof of several inaccuracies and the sales contract as well from XXXX consumer in which they attempted to validate the debt that was inaccurate based on the evidence that they provided as highlighted in my provided documents. I have also provided a 30 days to comply letter on XX/XX/XXXX in which I provided additional evidence confirming the inaccuracies in their allegation of debt listed on my credit report. There were more than three different balance due amounts. there were incorrect and false information regarding my address and contact information as well as the creditors address and contact information. They stated that I traded in a vehicle that shows on my credit report that I paid off two years after the sales contract date that states that I have traded in a vehicle their sales contract also shows incorrect amount stating that there was an amount credited towards the balance from the trade-in which never happened as you can see on my credit report which states that I paid off the supposedly traded vehicle 2 years after the contract date from Discount Auto . This debt that shows on my credit is a complete fiasco and must be removed due to inaccuracies as stated in the FCRA law. This should not have not taken longer than 30 days and i should not have to file a complaint with the CFPB as well as FTC for TransUnion not doing their jobs properly.