davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (NM)

At the beginning of the week, XX/XX/2023, we put in an application for a joint personal loan with OneMain Financial. We provided all needed information for the application and set an appointment for XX/XX/2023 to sign for the joint personal loan we were approved for. Upon arrival for the appointment, we were told we were not able to get the personal loan due to one of the credit scores being frozen and could not be processed. The employees and the company had ample time to notify us that we needed to have all credit scores unfrozen before coming in to sign. The employee did attempt to resolve the issue after unfreezing the one credit score that was needed, which resulted in the running of the credit score three separate times for one of the applicants on the joint application. Now, we will be working with the three credit bureaus to get the hard inquiries removed due to this companys negligence and lack of information.
Consumer complaint received 2023-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

In accordance with Fair Crediting Reports Act XXXX XXXX account ending in XXXX Financial has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy Also 15 U.S.C 1681section 2 it also states a company reporting agency can not furnish a account without my written instruction.

15 U.S.C. 166B A creditor may not treat a payment under an open end consumer credit plan a late for any reason.
Consumer complaint received 2020-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (WA)

First, their website is not-user friendly and has multiple barriers to making on-time payments, but most notably, their customer service is deceptive and inequitable. They encouraged me to set up an automatic payment after my due date and told me I would not be reported for a late payment if I had one scheduled. I asked twice for confirmation. I called again when they sent me another notice to confirm, I even offered to move my payment date. I even became too uncomfortable with the situation and so on my final call they assisted me in setting up to pay the loan in full on my next due date ( the due date they listed on the the notice ). YET they reported me as late. Their explanation was that my due date ( the one they chose ) was the first of the month and since they report to the credit bureau on the last of the month, they had to report me as late. YET I had called on the last of the month ( which they admitted they had documentation of ) to pay the loan in FULL! They did not communicate that they would be reporting me THAT DAY. I told them to schedule the full payment and they could have scheduled it for that day but instead they waited to withdraw it two days later. Even thought I had called that day and offered to pay the loan in full, and even scheduled to have the loan be paid in full, they reported me to the bureau. 
When I called to confront them they said that they had documented that I had declined to schedule a payment earlier in the month ( even though they also have it documented that I did schedule one on my own ) and that I had scheduled to pay it in full after the reporting date ( it was schedule for the due date THEY gave me which was the day after they had planned to report me ). I point blank asked if I would be reported and that my intentions were to pay off the loan, I was told NO. This is fraud, I have the phone call history of calling them three times before my due date. Ethical customer service would have said " hey, since youre going to pay it off in full, why don't you pay today to prevent a past due report? '' This is a horrible company that does not support borrowers, that does not provide ethical customer service and lies in their documentation. Now my credit score is tarnished due to their deceitful actions.
Consumer complaint received 2020-05-29
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. (SC)

A letter was sent to TransUnion on XX/XX/2020 via USPS Certified Mail # XXXX containing a direct dispute of the items in question under 15 U.S.C. 1681i, Section 611 ( a ) ( 1 ) ( A ) as well as a Memorandum of Points & Authority under FCRA 604, 609, and 611, Fair and Accurate Credit Transaction Act ( FACTA ), and Consumer Financial Protection Bureau ( CFPB ). TransUnion was asked to provide completeness of records and valid proof of verification ( s ). The letter/matter did not get the attention it deserved as no valid proof or evidence was provided, amounting to entries/statements being made and " verified/validated '' without first-hand knowledge ( which is a crime ). The matter is hindering my ability to obtain credit/financing as well as infringing on my right to Life, Liberty and the pursuit of Happiness. Thus, escalating actions are being taken. [ Evidence Attached ]
Consumer complaint received 2023-02-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I submitted a name change dispute on Equifax on XX/XX/2023 online through my.equifax.com web portal. Dispute XXXX XXXX. Equifax web portal allows users to submit name change dispute online without any issues. Also, the portal allows to upload any supporting documents ( in my case, the name change petition, driver 's license, and certificate of naturalization ). The submission went through without any issues and/or warnings. On the portal it stated that the dispute might take up to 30 days. Today, XX/XX/2023, XXXX  weeks later after the dispute was submitted, I called to Equifax customer service to get an update. The customer service representative told me that they are not able to process my dispute I submitted online ( for some reasons they didn't explain ) and I have to mail or fax my supported documents. 
But during the online dispute submission process there was NO ANY information about I can not do it online and have to fax or mail documents. Also, Equifax did not notify me by any way that they need my documents by fax or mail. 
And now, I was waiting for XXXX weeks to update my name in the Equifax system and they will start a new dispute ( with 30 days period ) once they will receive my documents by mail or fax. That means my initial dispute from XX/XX/2023 will not be resolved within 30 days period and without any notification from Equifax side. 
In addition, I spoke with Equifax supervisor and she confirmed that I CAN submit this dispute online. Also, she confirmed that the Equifax system does not handle and process personal information properly. That means the company which works with sensitive personal information has a not reliable system. ( Just in case I have recorded our conversation ). 
I attached the file with all steps to submit this dispute.
Consumer complaint received 2023-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (ID)

Received a letter from H & R accounts regarding two accounts with XXXX XXXX, wrote a letter disputing the accounts based on my records showed they had been paid. received a follow up letter XX/XX/2023 claiming they did their research and the debts were valid. the only problem is they don't show any payments that I made to XXXX XXXX despite all the checks being cashed. I am writing a letter to XXXX XXXX to get this resolved, but also filing a complaint against H & R accounts for still pursuing a debt that is not paid. 

the list of checks sent XXXX {$25.00} XXXX {$15.00} XXXX {$10.00} XXXX {$15.00} XXXX {$15.00} XXXX {$15.00} XXXX {$15.00} XXXX {$15.00} XXXX {$15.00}
Consumer complaint received 2023-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

My personal information shows up on the Dark Web from XXXX data breach. I have attempted to dispute on credit report several times. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX Account Number XXXX Name I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Date Opened XX/XX/2019 Responsibility Individual Account Account Type open Loan Type XXXX XXXX Balance {$290.00} Original Amount {$290.00} Original Creditor XXXX XXXX XXXX XXXX  Past Due {$290.00}
Consumer complaint received 2022-06-27
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. (CO)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights In accordance with the fair credit reporting act XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to my 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 2023-02-11
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. (OH)

In order for there to be truth in lending and for me as a consumer to get the best rates possible reports should be 100 % accurate. Attached you will find screenshots of my reports
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with XXXX dollar balance dated in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, and XXXX, even after attempts of removal with credit repair company on my behalf. It also appears on XXXX  with the date of XX/XX/2011.
Consumer complaint received 2023-03-09
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: CITIBANK, N.A. (CA)

I checked my credit report and I see this account reporting erroneous information and unverifiable. 
My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC (PA)

I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Rent Recovery Solutions (GA)

On or between XX/XX/XXXX and XX/XX/XXXX the account ( Rent Recovery Solutions was deleted from my XXXX credit profile because it had inaccuracies and could not be verified. 

I recently revied my XXXX credit profile and notice that on XX/XX/XXXX { Rent Recoveries Solutions } has reported this account without a 5 day notice. { Rent Recoveries Solutions and XXXX } both have violated my consumer rights once again according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy witch states below that they are in violation.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2020-05-29
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-03-09
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. (LA)

They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! LVNV FUNDING LLC ( put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that LVNV FUNDING LLC ( verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If LVNV FUNDING LLC ( is unable to provide the above identifying account information, this account must be deleted from all CRAs. LVNV FUNDING LLC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Consumer complaint received 2023-03-09
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: SYNCHRONY FINANCIAL (RI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-09
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. (NJ)

Hello I am XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete as soon as possible.
Consumer complaint received 2023-03-09
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: OneMain Finance Corporation (IL)

One main financial has broken 3 laws 1. Cease and desist. 
I sent them cease and desist paperwork. I was still getting harassment calls by XXXXnemain financial. 
15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

I gave you all a cease and desist letter and I was still getting called by you all.

Right to rescind I have a right to Resc per Us code 1635, I am not liable for any of these charges! I was told from XXXX XXXX that right to rescind only applies to mortgage which is a lie. To prove that, I have attached screenshots from the Law below which clearly thats " ANY CREDIT TRANSACTION '' Which includes ( loans ). Per law, I have to be given documentation about my right to rescind. This was not given to me and I sent paperwork which is illegal. This contract is void and needs to be terminated immediately! 

Late payments Credit transactions are exempt from being reported to damage consumers. 

See 15 Usc 1666b Late payments are a violation of this us law and this is subject to penalties. Every company thay reports to the credit bureaus have to follow the Us consumer laws. Any type of credit transactions are excluded from being reported to the bureaus These are violations of the U.s. consumer law. I have a pending lawsuits against wells fargo for violatiing these same laws and I will do the same with onemain financial. 

Remove the late payments IMMEDIATELY AND TERMINATE THIS CONTRACT! 


I Have also sent a letter to the board and corporate
Consumer complaint received 2023-03-09
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: California Business Bureau, Inc. (CA)

Someone used my information at a facility that I had no knowledge of, I filed a identity theft report with lapd and gave California business bureau the information they asked for which was a police report and their rejecting the report, tge Manerger also stated even if I gave her the proper documentation that she still wouldn't take the false collection off my report, I believe there's racism involved in this situation
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. The late payment was still showing after its status was closed. Also, you failed to provide accurate and correct information. Various dates listed under the date of the last activity, last payment, last report, and date opened.
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (OR)

I found out that I was sued by Jefferson Capital Systems , LLC and a civil judgment had been declared by the XXXX XXXX XXXX XXXX. The case number is : XXXX. Jefferson Capital Systems file number is : XXXX. 

The judgment was made on XX/XX/XXXX. On XX/XX/XXXX I received another notice from Jefferson Capital Systems from a XXXX XXXX XXXX XXXX, CO. The amount of the debt listed is {$1800.00}. This is astronomical for a credit card with a {$300.00} credit limit. Also of note is the fact that my last name when married was, " XXXX '', and it was legally changed back to my maiden name, " XXXX '' after my divorce was finalized in XXXX of XXXX. The notices I have received are addressed to " XXXX XXXX ''. This also makes me question the statute of limitations on this debt. 

I looked up the case number above and discovered that the case was closed years ago. I am questioning the legality of continued attempts to collect on this debt and potential violations of the laws regarding consumer debt collection practices. 

I am also XXXX and my only source of income is XXXX and I have not worked since XXXX of XXXX. 

I would appreciate your help in this matter as Jefferson Capital Systems has a long history of fraudulent debt collection practices. 

Thanks in advance for your help in this matter. 

Sincerely, XXXX XXXX