davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-21
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)

I received a notification in my email that XXXX  completed their investigation into my dispute of the following accounts ; File XXXX Merchants XXXX  - XXXX XXXX XXXX, Merchants XXXX  - XXXX XXXX XXXX I have faxed this information and sent certified mail to both Equifax and XXXX in regard to these same accounts. I demand that XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you
Consumer complaint received 2021-02-20
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

Hello On XX/XX/XXXX I contracted a individual secured auto loan for {$5800.00} with the XXXX, and monthly payments of {$120.00} were due on the XXXX of each month. The first part of XXXX I had lost half of my income and attempted to keep things a loft however things did fall behind, at the first part of XXXX I did fall behind on the loan however sporadic payments where made. On XX/XX/XXXX I received a call from USAA collections I spent over an hour on the phone when over this account and another one. I believed had made myself clear that I was wanting to pay this loan off in full during this call and the USAA rep never informed that the loan was about to be charged off I also had two pending payments one for XX/XX/XXXX & XX/XX/XXXX. It appears that the XX/XX/XXXX did not go thru, and they called and spoke with me again a couple of days later and also never updated me on the status of the account. My issue is USAA never informed me that the loan was in a charge off status for me to prevent it, USAA had several opportunities they should have provided this information either during the out bound calls or on my monthly statement, they hid what my account status from me. USAA stated they sent my account to XX/XX/XXXXXXXX never spoke with XXXX  they never contacted me, as I had already been in contact with USAA charge off area and made them aware that the loan was going to be paid in full and was paid to them on XX/XX/XXXX not to XXXX so another lie from USAA. Under the fair credit act USAA should be updating the account holder of the status of the account in this case it was about to be charged off, USAA should have never charged off the loan with out notifying me so I could attempt to correct the issue. 

Here is a short history what USAA has put me thru when i asked why they charged off the loan and pulled the phone records 1st. I was told I hung up the call and that is why the loan was charged off 2nd. XXXX XXXX said I had made a promise payment that was missed and the loan went into charge off, and it is USAA policy don't to discuses when a loan will be charged off with the account holder 3rd A combo between a missed payment and I told them not to call them, but the call on the XX/XX/XXXX & on a couple of days later was out bound call from USAA collections so another lie My most recent call with XXXX XXXX I believe went well, however the response I received in writing did not match what she said. USAA keeps changing their story trying to see what will fit to make them sound good in this issue, however this is bank error and needs to be corrected. The staff at USAA will just lie so I have no other option to seek help here, so everyone can see what USAA lending practices or lack of them.
Consumer complaint received 2022-09-26
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX  XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

This is an illegal attempt to collect on an alleged debt that is actually owed to me and I have filed a lawsuit against the original creditor ( s ) for Housing Discrimination, Breach of Contract, Fraud, and other causes of action. 

Please see attached Complaint Letter against Fair Collections & Outsourcing, a debt collection agency, and the corroborating Exhibits, who is illegally attempting to collect on a debt that is actually owed to me by Original Creditor.
Consumer complaint received 2021-02-02
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. (TX)

XXXX XXXX should not be reporting late to XXXX ; XXXX  and Transunion on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX to change the payment due date. The representative assured me that this was noted in my account. They continue to report this account late even though I make timely payments and have never missed a payment. This has been going on for years and I have called XXXX on numerous occasions and they have verified the new due date however, this account continues to report my payments as lates. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. These lates need to be removed. I have contacted XXXX  as well as the bureaus to fix this, but I have not been successful.
Consumer complaint received 2020-08-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (KS)

We paid off a student loan in XX/XX/XXXX and Wells Fargo continues to take {$22000.00} out of our banking account until XX/XX/XXXX. We have been unable to get refunded the {$8200.00} or more in debits they took out of our checking account
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (AL)

I contacted and sent over correspondence to Lvnv funding stated my account with the previous creditor was included and discharged in my bankruptcy. They are still trying to collect on this account despite having court documents.
Consumer complaint received 2020-08-25
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. (AR)

I contacted Transunion, XXXX, and XXXX about 3 months ago asking them to remove his inaccurate information from my report. 

The following personal information is incorrect. Please remove this inaccurate information from my credit report. 
1. The following personal information is incorrect XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The following personal information is incorrect XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The following personal information is incorrect XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report
Consumer complaint received 2021-02-02
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. (GA)

I have an XXXX card issued by XXXX XXXX XXXX XXXX I never had any late payments on and even had autopay and scheduled payments enabled. I tried to call them multiple times because out of nowhere they had a glitch, closed my account and reported a false charge off on my credit reports ( XXXX, Transunion and XXXX, I checked my reports this morning ). Their customer service isnt even working right now either and my FICO score dropped by 13 points as a result and Im very angry and frustrated. Sending this in case XXXX does not fix this glitch. It has affected my account and damaged my credit. Lots of others have been affected as well.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I asked the credit bureau to verify information. They sent me back a copy of what they had on my XXXX account. 

The high credit ; credit limit ; last date reported ; last date active ; and date of last payment are all different on each of XXXX and Equifax credit reports. 

I have a copy of what I received as validation and proof dated XXXX
Consumer complaint received 2022-03-09
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: OneMain Finance Corporation (CA)

I had ordered a product for my XXXX seller store XXXX XXXX ... the company never got back to me about my order. I called several times. I called XXXX on XX/XX/XXXX to dispute and was told they would contact the company. As of today when I called XXXX nothing has been resolved.They could not get in contact with the vendor either she said. I asked the lady to remove the charge she refused.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We had {$4200.00} due by XX/XX/XXXX on our Bank of America Visa credit card. We were set up for electronic payment. On both XX/XX/XXXX and XX/XX/XXXX, Bank of America drew payment ( total {$8400.00} XXXX, resulting in overpayment of {$4200.00}. This was BoA 's error. 

Our XX/XX/XXXX BoA Visa statement shows a balance due of negative {$1400.00} ; in other words, a credit ( nothing due ) on the " payment due date '' of XX/XX/XXXX. 

On XX/XX/XXXX we contacted Bank of America, and they refunded our overpayment. What BoA did not tell us is they had changed our " balance due '' for XX/XX/XXXX. 

We were surprised to discover when we checked online today, XX/XX/XXXX, that our BoA credit card account now shows a " balance due '' of {$27.00}. How is this possible against a closed billing statement that says " Total Minimum Payment Due {$0.00} ''? 

We called Bank of America today and asked our phone rep XXXX XXXX in XXXX XXXX. She defended the change in amount due against a closed statement. This is outrageous. 

We were vigilant and caught this gotcha before the " balance due '' date. But if we had missed it, BoA would likely have begun charging interest and fees for a missed payment that they had never informed us about. 

We are asking you to sanction Bank of America : A credit card issuer ( 1 ) should not charge a balance due against a statement credit or ( 2 ) fail to inform the cardholder of a change in balance due posted after a billing statement has been issued.
Consumer complaint received 2021-02-02
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 XX/XX/2021, I sent letters about inaccurate reporting of false items on my credit report. I have not received a response from them yet. I feel like I'm being ignored by them of my disputes. This are deceptive practices by the bureaus.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (FL)

In XXXX, I returned the security and Internet equipment to the XXXX XXXX location. The representative provided me with a receipt confirmation displaying a balance of {$0.00}. Since then I have constantly disputed the charge with XXXX of {$730.00}. 

I have contacted the company multiple times and on XX/XX/XXXX, I spoke with representative XXXX who stated the account was removed in XXXX and should not be reporting as there is no balance owed for the account # XXXX. 

On my credit report, an account # of XXXX with CONVERGENT OUTSOURCING. The creditor ( XXXX ) has confirmed this should not be listed on credit report as no account balance exists
Consumer complaint received 2021-02-02
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. (LA)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX XXXX. 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, LA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful. 

In accordance to the law, I DEMAND for your institution to DELETE AND CORRECT the disputed information stated above. Thirty days should be enough for you conclude this procedure. The law also requires you to send me a notification that the items stated above have been deleted and corrected. 

REMOVE ANY ACCOUNTS AND INQUIRIES NOT ATTACHED TO MY LEGAL NAME AND ADDRESS AS PER LAW
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MI)

I am writing to formally file a complaint regarding a debt that has been incorrectly attributed to me and is being improperly reported on my credit report by Resurgent/LVNV Funding. This complaint concerns a case of identity theft and the failure of Resurgent/LVNV Funding to properly verify the ownership of the debt before reporting it. 

The key facts of the situation are as follows : The debt in question was originally held by XXXX XXXX XXXX, which they charged off and subsequently closed. Afterward, XXXX XXXX sold the debt to Resurgent/LVNV Funding, a debt buyer. 

Despite the fact that XXXX XXXX had charged off and closed the account, Resurgent/LVNV Funding is now reporting the debt as open and active on my credit report. 

I requested debt validation from Resurgent/LVNV Funding, and they failed to provide any sufficient proof that this debt belongs to me. It appears that Resurgent/LVNV Funding simply relied on information provided by XXXX XXXX without conducting a proper investigation to verify my identity or my involvement with this debt. 

After careful review, I believe this debt has been incorrectly assigned to me due to identity theft, as I have no knowledge or record of this account. 

As a result, Resurgent/LVNV Funding is reporting this debt on my credit report, which has caused significant damage to my credit score and has led to undue stress. I have made multiple attempts to resolve this matter directly with them, but they have not provided adequate evidence that I am the rightful owner of this debt. 

In light of the above, I respectfully request the following : The immediate cessation of all collection activities related to this debt by Resurgent/LVNV Funding, as required under the Fair Debt Collection Practices Act ( FDCPA ) when a debt is disputed and identity theft is alleged. 

A thorough investigation into the validity of this debt, ensuring that Resurgent/LVNV Funding follows the proper procedures to validate the debt before reporting it on my credit report. 

Assistance in correcting my credit report, ensuring that the wrongful information reported by Resurgent/LVNV Funding is removed. 

I have attached relevant documentation, including my request for debt validation, correspondence with Resurgent/LVNV Funding.
Consumer complaint received 2020-08-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There's a someone else 's bank of america credit card account on my XXXX credit report. That account is shown with status charge-off, which drag my credit score down. I was trying to fix this with XXXX  and bank of america. I submitted dispute to XXXX twice to have that account removed, both rejected with reason : " The company that reported the information has certified to XXXX  that the information is accurate. '' Called them multiple times, they always ask me to dispute this with bank of america. I called and disputed this to bank of america too and got a reply of " we have reported correctly to XXXX  please dispute with XXXX ''. I discovered this error on my report one year ago, these two companies pass the buck to each other and the issue still not resolved.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hello. Bank of America authorized a bill pay in the amount of {$22000.00} without notifying or my authorization to an unknown account at XXXX XXXX. This happened on XX/XX/2020. So I contacted Bank of America and started a claim with them but their initial response was that I was the one who initiated the transaction when I have never used online bill pay through Bank of America before. I mean usually when I make normal purchases, I will get notifications but I didn't even get one email, text, or call about this transaction. So they told me to contact XXXX XXXX which I don't or never had an account with them and as soon as I got in contact with their customer service, they called me by a different name. I don't remember the name but obviously someone had used my info and phone number to open an account. I explained the situation to XXXX XXXX and their response was that they couldn't give out any information without information or authorization from the account holder. So I called Bank of America and the said they would look into it. A couple of months go by and nothing happened. So I called once more and they directed me to another department, finance claims or something like that, they said the same thing and basically putting the blame on me and accusing me of making that transaction myself which I did not. I tried to contact them again multiple times and their response was always the same. So I contact my local police and made a report but they weren't any help at all. I did speak to a detective once and to this day I have not heard anything from them. I also tried to contact several attorneys about this and none of them would give any legit legal advice about how to handle something like this. After about year or so of dealing with it and getting nowhere with Bank of America, I closed all of my accounts with them and have just taken it as a loss because I could not get any help with this. Until a friend of mine who works in finance told me about the CFPB and said that sometimes you are able to help people like me. So please if you can do anything about this, I would be thankful. It was a lot of money that was taken from me at the peak of the pandemic. Thank you