davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (FL)

I am currently being sued by Plaintiff Velocity Investments LLC and legal counsel XXXX XXXX XXXX in two separate cases. In neither case did I receive a notification of assignment from plaintiff as required by Florida law under the Florida Consumer Collection Protection Act, in order to move forward with a lawsuit. Nor did I receive a written notification of debit, validation letter of debit or a verification letter of debit as required by the FCCPA and FCRA as well. Neither of the lawsuits contain any personal identification information i.e. DOB, SSN or full legal name. Neither lawsuit contain any factual or legal information about the alleged loans themselves. Neither suit contained any repayments of loan as required by the FCCPA and FCRA. Furthermore the only personal information that Plantiff and counsel have was retrieved from my XXXX Credit report. There is also nothing on my credit report about the two alleged loans either.
Consumer complaint received 2021-03-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

National credit adjusters add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the National Credit adjusters has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-11-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

The bureaus not following the laws. They have not provided me with any of my investigation results nor have any changes made.. I have sent out several letters in regards to disputing matters upon my credit concerns.. Please help with assisting me with getting these matters resolved as soon as possible..
Consumer complaint received 2022-12-13
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: Westlake Services, LLC (OH)

Around XXXX XXXX when things started to get bad for Americans Westlake Financial offered limited to no help before throwing you out to credit bureau along with XXXX XXXX interest continued to grow and the only offers was repossession and a hit to your credit now understanding most definitely that company and businesses need their money as well but my XXXX these companies waste no time then send incorrect information.
Consumer complaint received 2022-02-23
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. (MO)

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I did receive a response on XX/XX/XXXX stating that the account was deleted. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXXXXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Consumer complaint received 2020-11-02
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. (AZ)

On XXXX XXXX, 2020, I filed a complaint with the FTC for identity theft. Three of the five accounts listed are on my TransUnion  credit report. Just as the FTC recommended, I mailed, faxed, and emailed a copy of the FTC report as well as a letter with the FTC logo upon it, a copy of FCRA 605 ( B ), and a copy of my driver 's license as identification. The only item not included is a copy of my credit report as they have refused to provide me one for months due to their allegation that they can not supply one to me because there are open disputes. This is not the law. TransUnion did eventually put a fraud alert on my account. Unfortunately, that is all they did. As per the Code, I know that a block is supposed to be placed on the account resulting from identity theft. This has not occurred. The only fraud process they have online is to submit the fraud through their dispute resolution center. I did upload all my documentation, again, but now the " date of resolution '' is now over a month away. That is not part of FCRA 605 ( b ). Can you please help me get this information to them?
Consumer complaint received 2022-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (CA)

NCB MANAGEMENT SERVI Last reported XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX  Account status Open Type -- Responsibility Individual Remarks Account paid for less than full balance Paid collection Account previously in dispute - Now resolved by data furnisher Original creditor name XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-01
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


EQUIFAX NAME : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX INQUIRY : XXXX XX/XX/XXXX COLLECTIONS : 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 EMPLOYER : XXXX ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX INQUIRY : XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF MO 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
Consumer complaint received 2022-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

LVNV Funding LLC/ Resurgent General Disputes/ Correspondence XXXX XXXX XXXX XXXX, SC XXXX Account Number : Ending in XXXX Resurgent ID : XXXX Ref Code : XXXX This company has been sending me collection notices in the amount of {$2100.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America N.A. failed to provide proof that their account in the amount of {$240.00} belongs to me. While in the process of validation the account was sold to XXXX XXXX XXXX on XX/XX/XXXX. This account was disputed and XXXX ceased contact with immediately. On XX/XX/XXXX this account was sold again, this time to XXXX XXXX  XXXX XXXX, ( Again this account is currently in dispute. ) Both debt collectors are reported different account numbers. 
Bank of America N.A. is currently reporting this account to all 3 major bureaus as closed/charge-off and updated as of XX/XX/XXXX. Bank of America N.A. continues to update their account to my credit files even after I have provided proof that they are not Holders in Due Course and the account has been sold multiple times. I will not keep disputing this account. I have proof that Bank of America N.A. NEVER validated this account and Bank of America NA is not following the FDCPA. 

XXXX XXXX  XXXX XXXX are debt collectors attempting to collect a debt on behalf of Bank of America N.A. I would like to know who gave XXXX XXXX  XXXX XXXX my personal information. I did not agree to any contracts with XXXX XXXX  XXXX XXXX to pay this company anything. I did not authorize XXXX XXXX  XXXX XXXX or Bank of America N.A., permissible purpose to use my personal information. 
Recently I priority mailed Bank of America N.A., and XXXX XXXX  XXXX XXXX letters and each company is well aware of what will be the outcome will be if they continue to harass me.
Consumer complaint received 2020-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IN)

I have been making my car payments early. Santander consumer USA its not calculating the interest correctly for my payment amounts. I made my car loan 30 days early. They charged me {$300.00} in interest and only applied XXXX something towards the principal. I called and spoke to the manager and when I asked her detailed questions she hung up on me. I believe Santander consumer USA is fraudulently over charging my auto loan account. If you look at my payment history and the amount applied towards interest and principal amounts. The daily rates and interest charges are being billed incorrectly. I should not owe that much interest especially if I am making my monthly payment early. I have never been late with my auto loan payments. Please investigate all principal and interest amounts on my account for every payment made.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have sent requests to Experian to delete incorrect personal information on my credit report on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The false information reported on my credit file has had a damaging impact on my credit worthiness. 

I have provide numerous letters, including proof of address and Identity each attempt and there has been no action or response.
Consumer complaint received 2022-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Money Tree Cash House llc (TN)

I borrowed XXXX and paid it back. Continued to call and ask me to borrow more money and I declined. Later I needed XXXX loan and was given that loan. I paid and then had hard times and that's when the harassment began. I was asked to come in make a {$5.00} payment and " renew '' the loan as I did. Still struggled to make payment. The calls and text became more aggressive demanding I give them a payment date that I could not give as I'm self-employed. I asked for a payoff after making payments for over a year and was told it was XXXX! I refused that this was accurate but was told that's it! 

The real problem began around XXXX when one of the employees ( XXXX ) walked in my place of business and became demanding and started insulting me. I asked her several times to leave and not to come back. She made threats and promises she would be back. I had another similar instance with the manager prior to this one, where she came in and acted like a XXXX child and stomped out. 

I have asked many times for a reasonable payoff to just go our separate ways, but the calls and text continued after I've asked not to be contacted via phone or text. XXXX XXXX They did an unauthorized hard inquiry on my credit that I have since disputed with CRA. 

It is my understanding that collections at a person 's workplace is illegal along with unauthorized hard inquiries of my credit and I ask for proper actions to be taken! 

At this point as mentioned on the last text to these people, I have no intention in making another payment and as I mentioned to them, my odds in a court room would be better than continuing to pay a predatory loan. My rights have been violated and the damages exceed the balance owed.
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ARS National Services, Inc. (CA)

I filed a complaint on here a few weeks ago ARS NATIONAL SERVICES Inc and also had the CFPB send a copy to the original creditor XXXX XXXX XXXX XXXX. Ive gotten a response from chase stating they they are not the appropriate company to address this issue. In the letter frome ARS NATIONAL SERVICES Inc which was attached states the XXXX is there CLIENT. Also ARS NATIONAL SERVICES Inc use lawsuit as a fear tatic and is perceived as a threat. In a response ARS STATES they have no control over the account which is funny why are you contacting me saying your is client chase and chase states its not there problem. Both ARS NATIONAL SERVICES Inc and XXXX XXXX XXXX XXXX  responses conflict with one another and is a direct violation of my rights using fear tactics and not one company addressed the situation. Lastly ARS NATIONAL SERVICES Inc said for me to contact them to discuss more info but how if you dont own the debt as stated.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (AZ)

Hello, my debit card was stolen on XX/XX/XXXX and used at 2 different casinos, total of 2 charged transactions. I reported fraudulent charges with my bank BMO Harris Bank the next day after seeing my card was used. I also reported to the local police department XXXX Police Department ( XXXX ) XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX my bank credited for those charges. As of today XX/XX/XXXX, I have not received any letter or message regarding my account, but I noticed the credit has been reversed. I called the 24 hour customer service this morning and the representative told me BMO Harris is denying my claim because " merchant provided evidence '' and have reversed the credit on my account. I do not know what that means, but that's all he could tell me regarding the claim.
Consumer complaint received 2022-04-01
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. (FL)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-01
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: AMERICAN EXPRESS COMPANY (CA)

I was notified through XXXX XXXX about 3 credit inquiries that I did not submit nor request or approve. 

They are : American Express, by XXXX on XX/XX/2022 XXXX XXXX of XXXX XXXX, by XXXX on XX/XX/2022 XXXX XXXX, by XXXX on XX/XX/2022
Consumer complaint received 2021-12-08
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all the company names and dispute dates. I called the companies that are reporting these inquiries and nothing has been done. They are still on my account and I also dont have anything connecting myself to these inquiries. 

Its reporting on all 3 of the credit bureaus
Consumer complaint received 2022-09-12
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)

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} and XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-04-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I applied for auto loan with USAA in XX/XX/XXXX for a vehicle. Initial approval amount of {$40000.00} for new vehicle. I later decide on XXXX XXXX XXXX -used vehicle for the total amount of {$26000.00} on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX Tx. 

XXXX submitted the XXXX XXXX XXXX XXXX on XX/XX/XXXX to USAA bank, auto loan timely. Then on XX/XX/XXXX I was informed my loan was denied and I would have to apply for another without clear explainable reason why. Plus the rep stated she was coming on vacation XX/XX/XXXX with no regard to the financial burden on me. 
XX/XX/XXXX I again communicated with USAA concerning new loan request. At that time Rep XXXX stated there was no reason why second was require until he reach out to another division in which was told documentation was not received timely. XXXX records documentation was forward on XX/XX/XXXX via fax and email directly. There seem to be a unprofessional and blatantly failure of accountability on USAA behalf. Which has caused a high interest rate, negative result on my credit rate and a monthly financial burden to my household. They failed to maintain integrity in the Truth in Lending Act under their policies and loan processing relating minority community /individuals overall. This has been ongoing nightmare causing financial struggle of additional cost the loan at {$190.00} more monthly on the second loan from the initial loan cost monthly over 72 months. I was constantly told unfortunately there was were no other resolution then the second loan application. This was intentional cover up on XXXX personnel failure to process my loan timely after signature date of XX/XX/XXXX on my behalf and XXXX. I would like resolution to go back to first loan terms as of XXXX the XXXX. Because they failed to deal in good faith and truth under disclosure of truth and lending after XX/XX/XXXX signature date.
Consumer complaint received 2022-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (ME)

I paid the debt, and received documentation confirming the debt was paid in full. but the debt has not been removed from my credit report. when i called the creditor they advised me to call the collector. when i called the collector they advised me to call the creditor.