davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendUp Loans LLC (TX)

I have recently found myself in an unwarranted financial crisis with a company named FLURISH INC DBA LENDUP. On or about XX/XX/XXXX, I obtained a loan through this company to rebuild my credit. Shortly thereafter ( XX/XX/XXXX ), I changed banks and multiple attempts to contact LENDUP to update my account to reflect my new account changes went unanswered. Between the months of XX/XX/XXXX and XX/XX/XXXX, countless attempts to contact LENDUP were made. Additionally, LENDUP has not reached out to me neither. 
As of XX/XX/XXXX. 2 + years later, any and all attempts by me to make contact to pay this debt has failed. Every month, Lendup relentlessly updates my credit report with 120-149 Days Late, which has destroyed my credit score. 
My most recent and probably my last attempt to reach out to LENDUP was yesterday XX/XX/XXXX. Four different approaches were used to contact them ; 1 ). email ( XXXX ; XXXX ), 2 ). Online submit @ https : //www.lendup.com/contact ), 3 ). Cellphone, and 4 ). Attempted to create a new account to gain access to their system, however the system states the SSN submitted is already in use, prompting me to log in using a different account. Each time I send an email, I receive a system generated email response that states, Thank you for contacting us! We're currently experiencing higher than normal response times via email. Please note if you are not logged into your account, response will be delayed further. 
I have exhausted all efforts to contact this company. It is in my professional opinion that FLURISH DBA LENDUP is in violation of the Fair Credit Reporting Act. Furthermore, I feel FLURISH DBA LENDUP is engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. The company has not given me the opportunity to repay this loan as I promised, to build credit and provide access to cheaper loans, as it claimed. My family and I are struggling tremendously with higher interest rates and I am unable to obtain a loan for a house or vehicle.
Consumer complaint received 2018-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc. (CO)

I have paid this account in full as I thought it would resolve the issue of it reporting on my credit. I looked into this account further and found out that this is not even my account and I tried disputing it but the credit bureaus never even looked into it. There was no dispute verbiage ever placed on my credit report. I want this collection disputed as this collection does NOT belong to me.
Consumer complaint received 2021-10-14
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (IN)

Six months ago, I noticed Mariner Finance on my credit report and knew I had never done business with them. I did do business with Personal Finance who was acquired by Mariner Finance and the loan that I had with Personal Finance I had a perfect payment record and was closed and paid off in XXXX of 2014, which is also reflected on my credit report. I called Mariner Finance and was told the loan was too old and they could not access any information on it.
Consumer complaint received 2022-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MO)

We fell behind on our mortgage due to XXXX hitting my family. During this time neither myself nor my husband could work due to the illness and it's exposure. I called our mortgage company about receiving assistance through the Care Act. I was told by the agent that I was able to apply over the phone. So that's what we did. She took my information and said I was approved. Everything was explained to me about the assistance, how we could pay off, what we owe etc. I even have the agent 's name and ID number. So being told I could do this, I made the first {$500.00} payment on XX/XX/XXXX. Then a couple weeks later on XX/XX/XXXX, I called to make the second {$500.00} payment. Both payments were taken out of our bank account. So I'm thinking everything is fine with our repayment plan until I get a letter this other day stating that we have to pay {$2200.00} by XX/XX/XXXX or theyre going to start the foreclosure process. We've lived in this house for over 20 years. Also, they've not kept any records of my communications with them setting up this repayment plan yet I have one of the agents name and their agent number. They havent even wondered how I got that. Since theyre claiming to have no record of me communicating with them previously it looks like we were ignoring this situation when we weren't. Now because I was given misinformation on how to receive help, it could potentially lead to us losing our home. We didn't just up and decide to not pay the mortgage because we didn't feel like it. A potentially fatal virus made it's way into our home. This kept us out of work for a long time. That's why we fell so far behind. So when I called them for help I truly believed I received it. They happily took my {$1000.00} dollars, yet deny any communication in regards to helping me save my home. Now Ive been told we have to fill out this 26 page application to just start a process that I was specifically told had already begun. I now call them daily to verify that my communications with them the day before have been recorded. I don't trust them. The only thing I trust is I need to come up with over {$22000.00} dollars by XXXX XXXX  because that's on paper. I have 26 pages of information they want filled out immediately and faxed to them even though I'm in the middle of a state of emergency due to a snowstorm. The lady asked when I could do it. I don't know! When it's safe to leave the house! I feel decieved and scammed. We're looking into tapping into my husband 's retirement account while I fill out this 26 page application. When it comes to falling behind due to a potentially fatal virus we own that but when it comes to turning for help to a company we trusted who would but lied to us that's Rushmore 's responsibility.
Consumer complaint received 2022-10-22
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: FC HoldCo LLC (FL)

XX/XX/XXXX FLAGSHIP CREDIT ACCEPTANCE po box XXXX XXXX, TX XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and FLAGSHIP CREDIT ACCEPTANCE ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please contact FLAGSHIP CREDIT ACCEPTANCE and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (PA)

Not too long ago tried using electronic transfer with Santander and there was an issue. Multiple times. 
Went to withdraw funds from Santander in person. I went in and asked about charge for cerified checks and was advised it was free based upon account status. Upon returning to bank to get cerrified checks I was then informed there was a {$15.00} charge per check. As I was getting XXXX checks, I did not agree to those charges. I then asked to withdrawal money from account. I was advised I could not withdrawal the amount I wanted from account. 
So I then had to alter transaction again. These changes are occuring in real time because Santander keeps changing policy, as I am standing right in front of them. 
I then decided to do XXXX certified check, withdrawal the maximum amount the bank told me I was authorized to withdrawal on my account and had to leave remaining difference in account! ( Can't make this stuff up! ) Fast forward 1 month later. Today, XX/XX/22. 
Now I tried mobile check deposit and there is an issue. Continous error message! 
The larger concern is who is reviewing Santander banking processes and the complaints because they have either flagged their system to deny me of banking services based upon ethnicity and/or previous complaints or they are intentionally just not providing basic banking services to customers! 
Either way, this is not a good look and is extremely frustrating.
Consumer complaint received 2022-04-27
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 the following accounts are in violation of my federally protected consumer rights under15 usc- section 1681 1681 b 1681 c2e 1681 he Accounts : XXXX XXXX XXXX XXXX I have spoken with a representative in the executive office whom has stated there would be no remedy even with proof of identity theft
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (MD)

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my XXXX XXXX I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much XXXX XXXX, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2022-06-23
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$740.00} acct # XXXX XXXX acct # XXXXXXXX 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1100.00} acct # XXXX XXXX {$530.00} acct # XXXX, {$1100.00} acct # XXXX, {$3300.00} acct # XXXX, {$2300.00} acct # 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.

There is no third party that assisted the generation this letter.
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (NC)

Re : Accounts # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I sent a letter to Amerifinancial Solutions on XX/XX/2022, about some collections they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor ( XXXX XXXX XXXX XXXX. ) that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to {$1000.00}. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/2022, these debts, which I told them to send back to the original creditor, remain on my credit report in violation of federal law.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act the following accounts are in violation of my federally protected consumer rights XXXXnder15 usc- section 1681 1681 b 1681 c2e 1681 he Accounts : XXXX XXXX XXXXXXXX jXXXX  I have spoken with a representative in the executive office whom has stated there would be no remedy even with proof of identity theft
Consumer complaint received 2023-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (SC)

LVNV Funding LLC is reporting account XXXX on my credit file as delinquent, however, this account was dismissed without prejudice in XXXX XXXX XXXX via civil case number XXXX on XX/XX/2022.
Consumer complaint received 2021-03-24
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the XXXX XXXX, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$4100.00} XX/XX/XXXX
Consumer complaint received 2018-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

I went on a XXXX page to buy tickets to a sold out comedy show and was told to text someone for more information. I texted them and was given their PayPal email and paid them over PayPal, but they told me to label the transaction as type " Family/Friends '' and not the purchase of a product. They said they would send me the tickets once they received the payment and now they are not replying and will not send me my tickets. I tried to file a dispute with PayPal but they said the Purchase Protection Policy does not cover personal transactions.
Consumer complaint received 2020-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MO)

To Whom It may Concern, I purchased my XXXX XXXX XXXX from XXXX XXXX in XXXX of XXXX as a birthday gift to myself. I was so excited to have my dream car. But during my 4yrs of having this vehicle the dream became a nightmare. From mechanical issues, driving in the snow and lastly having it repossessed from me because my payments ballooned because of the additional insurance ( XXXX ). I was young and had zero idea of what was happening. All I knew was to pay my bills. I thought maybe I had a interest rate that had gotten higher. I didnt understand that they applied additional insurance to my loan. I used XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX. Which has went out of business a few years ago. Also XXXX XXXX XXXX which I use for my homeowners policy was contacted to get dates however, there records only go to XXXX. I know I used them when I first got the car then immediately went to XXXX XXXX XXXX to save money. Now fast forward to the present and Wellsfargo is asking me for proof that I had insurance almost 10yrs later. XXXX XXXX XXXX is out of business and XXXX XXXX doesn't keep records dated back that far. I have exhausted every effort to get that information ( which I don't believe should be my job ). Now Wells Fargo is denying me a court ordered refund because such records doesn't exist because of above mentioned circumstances. I truly believe that Wells Fargo is aware of my situation and is trying to take advantage of me once again. Now I've become aware they are doing this to thousands of other people. 

I will like to file an official complaint AND open an investigation into this matter XX/XX/XXXX
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

There are many things wrong with this debt. 
1 - I do not owe it. I have contacted them several times saying I do not owe it, I don't know what it is but they refuse to send me any information. I have asked several times for the information but I have not received a single thing from them. How am I supposed to resolve it if I do not know what it is?? 
2 - They won't stop calling!! I have asked them several times to stop calling me but they still do, multiple times a day. I get calls during my work hours every day. I have told them I am at work and they can not call me during work hours but they still do anyways. I am getting into trouble at work because of it. 
3 - They have one debt broken up into 2 separate debts on my credit report but I don't know a single thing about either of them or how it could possibly be 2 separate debts. 

I don't understand how a company can do these things to people. Its not fair that I don't know any information about it so I don't even have the chance to resolve it. I have been trying to ask the company for over a year about it to resolve it myself before taking it to a complaint but I have not gotten anywhere. I am going to get fired from my job if they do not stop harrassing me.