davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. (FL)

I recently pulled my credit report from EQUIFAX AND XXXX AND XXXX, and there's multiple inaccuracies, fraud, Identity theft and unauthorized use of my information without my consent! U.S.C 1681 ( b ). which is against the law under 15 U.S.C 1681 602 a section 2 ( A consumer reporting agency can not furnish an account without my written consent. an i never sent any type of instruction to report any of this inaccurate information an inconsistencies throughout all 3 reporting agencies I have 8 hard inquiries reporting from equifax and no accounts are open,15 U.S.C 1681 ( n ) to any of those said inquiries. so which have caused damage to my situation as a consumer, ive been denied credit that i am creditworthy for numerous times due to the inaccuracy and fraud these reporting agencies. My social security was used without any benefit to me and is Unacceptable, I the consumer have the right to privacy. ( 15 U.S.C 1681 602 A ) i never gave permission to report old addresses, old numbers, incorrect name across the 3 agencies. Under the FCRA and FDCPA these companies ( XXXX, EQUIFAX, XXXX ) I've even sent all 3 of these credit reporting agencies update on my address and number and full name. And still hasn't been corrected fully. they have violated my rights as a consumer and I DEMAND compensation for EVERY VIOLATION and CORRECT MY REPORT or you will be held accountable for civil liability according to 15 U.S.C 1681n ( a ) ( 1 )
Consumer complaint received 2021-04-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (TX)

I just refinanced my house and my loan was just bought by Village Capital. My house received damage and i summited a claim against my insurance company ... I was informed that the house had 17,000 dollars in damage my roof was needing to be replaced along with the back porch and carport. We was having more storms on the way so I paid out of my pocket to replace these items cause I didn't want more damage to the house.. Thus trying to protect my home from further damage. 
when I received the check from my insurance company they had the check made out to me and the mortgage company.. I called the Village Capital and was told to over night the check to them and they would endorse it and return it to me. They sent the check back to me and said that cause the check was over 10,000 dollars that I had to endorse the check and send it back to them ... I signed the check and returned it again to them the check seat there for weeks without them doing anything to have my funds returned to me ... I continued calling the company and was told that it takes time and that they would send an inspector out to the house to ensure that the work was completed ... When an inspector came to the house they signed off the work as competed and summited the papers to Village Capital the same day that they was here.. I requested from the inspector that I get a copy of the report cause the mortgage company has been losing and delaying. I called the mortgage company after 2 days after they received the report and they said that they still aint received the report from the inspector. I was talking with XXXX a manager in the claims office and he said that if I had a copy of the report that he would overnight the check to me and that he would return my call stating that he had done that ... while he went home without calling me and its almost a week later and I have not received the check yet .... he refuses to take my call and I'm have to talk with others who aint knowing what's going on ... I started the process with this company before XXXX of XX/XX/2021 and its been over 3 weeks and I'm still waiting. the company has lied to me several times and are continuing to be dishonest. I'm wanting my mortgage transferred to a different company cause I don't fill confident with Village Capital is capable of handling my account and I'm worried that they will hold this against me for fussing with them ... They are telling me that I can refinance my house but I just did and I don't want to pay out another 5 thousand dollars to refinance again. I would be extremely grateful for any help in this matter
Consumer complaint received 2021-08-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

Lvnv Funding, LLC ( Also been reported to XXXX  by consumers ) has threaten & reported inaccurate balance due on two closed accounts that I had with XXXX & XXXX creditors issued by XXXX. Both accounts after contacting creditors in order to settle on the accounts due to payments & fees ( as well as errors ) prior to requesting payment arrangements because of foreseen financial setbacks as well as personal obligations that needed my attention. After contacting XXXX ( already enrolled w/account protection ) had came to agreement to process the settlement on account & payments to start once they contact me back to set future dates for payments, but instead XXXX close my account. The same for XXXX after reaching out to discuss payments to get good standing after attempting to return items brought on XXXX website. After accounts had been closed for months. I had started getting repeated calls & notices from Lvnv Funding which unknowing had reported to all three credit bureaus making false claims with non-accurate & non-documented information in order tactfully & deceitful claim monies. I feel this seriously violates of my consumer rights and Lvnv Funding deceptive practices to extort money from consumers like myself.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX has done this before and it is still on my credit report after telling them several times now they are charging me late charges and reporting me late i need them to correct any late credit reporting as i never was late one was from a dispute and i was waiting until they invesigated so they said they would correct both. of them and neither of them have been fixed even after several phone calls
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried disputing the accounts on numerous occasions with XXXX, Transunion, an XXXX. I havent applied for credit, my information has been compromised. The address are fraudulent. I have disputing the same accounts they wont let me dispute them for the second time. These accounts are affecting my life, I cant get a job or proper housing for my kids. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Equifax, XXXX, XXXX XXXX, and XXXX are proposing the account details of my XXXX  XXXX bankruptcy, in addition they are reporting the XXXX XXXX car agreement with XXXX XXXX as not paid off. I paid off the vehicle and am in good standing with XXXX XXXX. 

Please, fix these two issues.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I called USAA to request a refund for the NSF fees that were charged to my account. I requested a refund for ( FPB CR CARD INTERNET ) charged to my account on XX/XX/2022, and XX/XX/2022. The USAA customer service agent who processed my request did not include ( FPB CR CARD INTERNET ) in my complaint after I told him what items I was requesting a refund for. 

USAA Bank did not honor the {$40.00} payment to ( XXXX XXXX Bank ) and the {$40.00} payment ( FPB CR CARD INTERNET ) but charged me {$29.00} NSF for each item when there was {$270.00} in my account. 

MY REQUEST 1 : Refund of {$29.00} for ( XXXX XXXX XXXX  Payment ) XX/XX/2022 ( {$29.00} Refunded ) MY REQUEST 2 : Refund of {$29.00} for ( XXXX XXXX XXXX XXXX ) XX/XX/2022 MY REQUEST 3 : Refund of {$29.00} for ( XXXX XXXX XXXX XXXX ) XX/XX/2022 MY REQUEST 3 : Refund of {$29.00} for ( XXXX XXXX XXXX XXXX  ) XX/XX/2022 2022
Consumer complaint received 2021-08-01
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. (MO)

After my purse was stolen my identity became comprised, place on the dark web and all. I learned of this after I pulled my credit file. The following accounts are unknown and unauthorized by me, therefore Im demanding that these accounts be removes imnediately. 

1. XXXX XXXX XXXX {$790.00} 2. XXXX XXXX {$790.00} 3. XXXX XXXXt {$170.00} 4. XXXX XXXX {$92.00} 5. XXXX XXXX {$1100.00} 6. XXXX  {$96.00} 7. XXXX XXXX XXXX {$850.00} 8. XXXX XXXX XXXX {$20.00} 9. XXXX XXXX XXXX {$35.00} 10. XXXX XXXX XXXX- {$47.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$710.00} 13. XXXX XXXX XXXX {$75.00} 14. XXXX XXXX {$580.00}
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (IL)

Volkswagen Credit ruined my credit score. I used their autopay system and the system did not work properly and my credit suffered from that. Prior to using the system my payments was never late. In XX/XX/2022 I put my payments on autopay using the VW credit app received a confirmation message that the payment will be processed on the XXXX of XXXX. The VW agent explained she sees where I activated the automatic payments in XXXX but the system didnt take a payment until XXXX. She removed all late fees from my account. The account has been paid in full. All I ask is that the negative marks be removed from my credit report.
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (MA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc. (NY)

Received a notice in the mail from XXXXMoney Lion. The notice contains a card that has a chip and is not a promotional offer. The notice has my last name spelled incorrectly. I have never heard of this company and did not request this card. I reported the mailing to the FTC and contacted the NYS attorney general who suggested I submit this complaint. I also ran a credit report to check for any issues. 

I did go on this XXXX 's website and it states in order to obtain a card of this sort, a deposit must be made into an account. There were mixed messages on whether or not to reach out to the company directly, as I would have to provide my actual personal information to them to 'close ' the fraudulent account. I would prefer not to provide any information as I have no idea what this is or why it was sent to me.
Consumer complaint received 2024-12-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Albert Corporation (PA)

{$50.00} loan taken out online earlier this month with a {$5.00} instant fee added.Im paid on the third of the month.Found out that instead of paying it back on XXXX XXXX, it changed to 15 days.Texted Albert Co. and was told my subscription was canceled and I would pay it back on XXXX XXXX.Today XX/XX/XXXX they withdrew {$12.00} from my bank acct to partially pay it back that shouldnt have occurred.Text today and requested the {$12.00} to be refunded XXXX was informed they cant do it.
Consumer complaint received 2023-06-28
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-28
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. (IL)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-12-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC (NJ)

I have asked for detailed list of payments made by me on this debt. I asked to see the original signature that I put on the contract guaranteeing that I would pay this creditor. I also asked to see if there has been any insurance they ha claim file on this debt, if so i want a copy of it. And lastly, I want to see proof they have chain of title to collect on this debt.
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (MI)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Name : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-06-29
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. (FL)

It appears that my credit file has been endangered.I was looking over my records once more and I discovered a lot of items that not belong to me. I'm really particular about research, thus, I found that under section 605b of the FCRACredit Bureaus are required by law to remove any items which is found to be opened due to identity theft.. Im attaching the required FTC Report with FTC report # s XXXX & XXXX and other documents that proof of my identity and current address. Please block these following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX XXXX XXXX Balance {$3200.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$2300.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$2200.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$1400.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$2300.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires credit Bureaus to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If theres no records provided & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-06-28
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. (CA)

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was collection account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I has a Collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with this account listed below, so please help me remove this Collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : DEPT OF ED/XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX XXXX  Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2021-08-01
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Transfinancial Companies, Inc (LA)

I sent two debt validation letters to Transfinacial in regards to two medical collections that are reporting on my credit report. Instead the company sent me a detailed list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.