davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

This debt is related to identity theft. The documentation that Resurgents/LVNV Funding provided indicates the loan approval conditions required they be part of the military. I have never been in the military nor have any affiliations. Resurgents/LVNV Funding should follow up with the original creditor, XXXX XXXX XXXX to obtain additional information related to how and what they used to validate identity and military status. If they complete further investigation they will see this is clearly related to identity theft and this debt does not belong to me. This debt must be cleared and stop reporting on my credit report.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

When I went to apply for one credit application for a vehicle my credit was ran more than several times, Ive attempted to dispute and fix and nothing has helped. The dealership itself said there is nothing that they can do.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to file a dispute regarding the removal of old addresses and employers from my XXXX XXXX Equifax credit report. According to consumer protection laws, I have the right to ensure that my credit report is accurate and up-to-date. 

I have noticed that my credit report still contains outdated addresses & employers, even though I have requested their removal multiple times. These addresses and employments are no longer associated with me and have not been for some time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employement - XXXX, XXXX XXXX XXXX & USPS I believe that XXXX & Equifax has violated the Fair Credit Reporting Act by not removing these outdated addresses and employers. According to the FCRA, credit reporting agencies must ensure that their reports are accurate and complete, and must investigate any disputes that are submitted to them. 

I am requesting that XXXX XXXX Equifax immediately remove these outdated addresses and employers from my credit report, and provide me with written confirmation of their removal. I also request that XXXX & Equifax provide me with a free copy of my credit report to ensure that all other information is accurate and up-to-date. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2023-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

Name : XXXX XXXX Reporting amount : {$10000.00} I have contacted LVN } V numerous times to validate this debt and have not received anything that validates this debt They have reported inaccurate information on my credit report, and keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Account : Reason : Instruction Please provide me with the following : ( 1 ). Full accounting of this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must deleted the above account from all three credit report ASAP. Let me remind you of the law. According to FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specialize in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2023-03-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX RE : Request of support and mediation with Specialized Loan Servicing to avoid the foreclosure of my home Complaint # XXXX XXXX XXXX, Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom it May Concern : Regarding my Complaint # XXXX, attached, I am sending copies of the Qualified Written Requests I sent to Specialized Loan Servicing and XXXX XXXX XXXX XXXX XXXX XXXX as Indenture Trustee for XXXX, asking for information to verify if the investor and servicer complied with the following rules from XXXX to XXXX : TILA transfer of loan ownership notices. Effective in XXXX, provisions of Regulation Z require that new owners or assignees of mortgage loans inform borrowers of a transfer of loan ownership within thirty days after a loan is sold. 
RESPA notice of transfer of mortgage servicing rights. A transfer of servicing rights for a second mortgage triggers obligations under RESPA for both the transferor servicer and the transferee servicer to provide timely notice to the borrower. 
The TILA periodic statement requirements. 

I requested this information in XX/XX/XXXX, and the servicer did not send it to me because " S.L.S. could not respond to the request within required time limits or respond without incurring a cost. '' I think this information is crucial to my case to demonstrate that the investors deliberately stopped communicating with me because, after the housing crisis in XXXX, my property was underwater. The investors of this second loan were almost sure to obtain nothing if they decided to foreclose. Also, it is essential to mention that this loan was part of an " XXXX XXXX mortgage '' originated by a predatory lender right before the housing crisis. 

I would appreciate it if my case remains open until we receive a satisfactory answer from my XXXX or XXXX. 

Best regards, XXXX XXXX XXXX XXXX XXXX. XXXX VA XXXX Phone number XXXX
Consumer complaint received 2023-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Holloway Credit Solutions (AL)

I have called Holloway Credit Solutions, LLC twice now to inform them that I have paid a debt that it is attempting to collect. I called first in XX/XX/XXXX. I have proof of payment that was paid in XXXX of XXXX. Holloway Credit Solutions has continued to harass me about the debt. I called again today, XX/XX/XXXX. I again presented evidence that the payment was made. I have the statement from my HSA debit card to the provider for the exact amount owed.
Consumer complaint received 2019-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* TODAYS DATE:XX/XX/XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXX XXXX, my vehicle was broken into. I did not discover this until XX/XX/2023. I logged on my account that morning and discovered {$500.00} was taken out of my account and I immediately contacted NFCU. As I am making my report to my bank the suspects tried to take out another {$500.00} but the representative was able to stop it. There was nothing the representative could do because the payment had not yet been posted. The representative informed me to wait a few days and call back when the payment was posted. I made report a few days later and was given directives to make a report with FTC. I completed that form. Following up on the process of the claim, I discovered that NFCU representative disputed my entire transaction for XXXX XXXX in the amount to $ XXXX. I never disputed that amount I only dispute The XXXX XXXX of {$160.00} and ATM withdrawal of {$500.00}. A manager assisted with getting the dispute corrected and transferred back to fraud department. I also encourage the manager to listen to all of my calls so there would not be any false information on my behalf because I know what I informed the representative that took the initial report. I have continued to check on the claim to be informed the claim was denied again. I have requested them to do a full investigation by obtaining video footage from the store to prove it was not me. They have failed to notify me of what they have received to investigate the claim. I have submitted the FTC report as well as Police Report. They are still alleging it was me that did this fraudulent transaction. It was not me. I had to start completely over by obtaining a new social security card and DL ( I have proof if need receipts ). My other banking was affected as well and not just NFCU. I have went to both store ( The XXXX XXXX and XXXX XXXX ) and they both indicated they do not keep video footage over 30 days. There is no way I could get any footage and I have been trying to get this issue resolved by doing my due diligence and turn in anything that will support my claim. Asking NFCU follow up questions of what need to be done. Little to no response. The only thing they have related is they are using information I have submitted and not telling me the facts. This has been very much frustrating because I can not express enough this fraud transaction was not me. They will not even speak to me they will relay messages through third party. I need this issue resolved. This has caused me a lot of stress and issues. I am very hurt that NFCU would allege I did this transaction.
Consumer complaint received 2022-10-04
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 am requesting the account listed below to be removed immediately. 
XXXX XXXX XXXX acct : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-03-18
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: Santander Consumer USA Holdings Inc. (FL)

XX/XX/XXXX I gave back the XXXX XXXX back to Santander USA car finance. The never sent me a statement for the sale of the vehicle. When I spoke with them by phone the explained to me that the loan was satisfied and the account was paid in full. XX/XX/XXXX I got an alert from the credit bureau that a new account has been reported to my credit report. I call Santander USA and stated my account was paid in full and was close. I ask the representative to email me a copy of the statements and they never did. How can a company say for almost five years the my account was paid in full. Later sell a account to a debt collector that close. This is an attempt to defraud me for a none valid dept.
Consumer complaint received 2023-03-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

MOHELA is unable to answer phone calls or messages through their message center. I believe they may have broken a law regarding reinstatement of a law without my signature. I have asked several times if they got a judge to sign off on the reinstatement. Over the phone I was told that the law does not apply to student loans. 

I have reached out several times via messages and have gotten no response. Currently, I have two loans with MOHELA one is my true current loan and the other is leftover money that was generated and reinstated by their mistakes. 

Following a previous complaint we had agreed to backdate any payments I made on the first loan so that it would waive all interest. We have had some snags with that arrangement. First, it took over a month to iron out any details. Then, there was an issue with changing the date on it and it would charge me late fees and weird things. Lastly, a condition of this plan is that I have to call to have any payments backdated. I am allowed to call about several payments at a time, but my issue is that I do not trust the company to honor this forever. 

Their lack of responsiveness and my previous experience calling them, lead me to believe that if the 1 person at the company who was able to help me leaves I'll be back to square XXXX. For this reason, I no longer want to be held responsible for loan that their mistake generated. I feel like this company is incompetent and will not be able to provide adequate loan services to me in the future. I am fully willing to repay the full amount of my true current loan, as of XX/XX/23 {$20000.00}. 

Please help me deal with the situation. MOHELA is entirely unhelpful, and I need representation. If the CFPB is not able to provide me with this kind of support please tell me who would be able to provide it.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordence with the fair act this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that i have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish and account without my written instructions. under 15 USC 1666b A creditor may not treat a credit paymenton a credit card account under and open ended consumer credit plan as late for any purpose.
Consumer complaint received 2019-11-14
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-03-06
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-06
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: National Credit Adjusters, LLC (LA)

In accordance with the Fair Credit Reporting act NATIONAL CREDIT ADJUST Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (AZ)

On XX/XX/2023, XX/XX/2023, XX/XX/2023 I got in contact with lexisnexis about false reports on my background as well as requested multiple copies on those dates and other dates and I have not received my reports or updates. I contacted lexisnexis two more times asking why I have not received anything being passed the 7-10 business days XXXX. Because of these false reports, my car insurance skyrocketed above XXXX XXXX my liscense is suspended, I am getting denied everywhere and I am about to lose my job because XXXX XXXX XXXX XXXX XXXX This is causing major chaos in my life. No one has done anything to resolve whats happening. No action has been taken by the company.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

On XXXX I purchased a living room set at XXXXXXXX XXXX XXXXXXXX in XXXX XXXX, IL with a total amount due of {$4200.00}. I paid {$600.00} in cash and debit card, with the salesman in the store, and charged the remaining {$3600.00} on my Citi Simplicity credit card. I swiped my credit card when the salesman informed me he was ready to accept payment. The salesman informed me the first swipe did not work and he requested I swipe a second time. 

My card was charged twice for the same purchase. The first charge in the amount of {$3600.00} is authorized. The second duplicate charge in the amount of {$3600.00} was not authorized by me. 

The merchant made an error at the point of sale. After numerous attempts to contact the merchant to request the unauthorized charge be reversed and resolved went unanswered, I filed a dispute with the credit card company on XXXX ( dispute ID number : XXXX ). The credit card company provided a conditional credit after I submitted supporting documentation this was an unauthorized charge, contacted the merchant, and gave the merchant until XXXX to respond. 

On XXXX the credit card company notified me that they have closed their investigation, reversing the conditional credit in the amount of {$3600.00} plus interest ; and attaching a notice from the 3rd party vendor ( Stripe, Claim Id : XXXX - XXXX ). THE END OF PAGE TWO OF THIS DOCUMENT STATES THAT MY DISPUTED CHARGE IS A DUPLICATE AND THAT THE MERCHANT/3RD PARTY IS NOT CONTESTING. In subsequent contact with the merchant ( XXXXXXXX XXXX XXXXXXXX ) since the XXXX dispute, the merchant provided a statement in writing that they are not disputing the unauthorized duplicate charge. XXXXXXXX XXXX XXXXXXXX reported to me via XXXX XXXX that the unauthorized duplicate charge would not be disputed. 

The XXXX letter from the credit card company indicated that I may continue disputing the unauthorized duplicate charge if I reply by XXXX. On XXXX I provided additional documentation to support the my dispute via fax and email to Citi, and demanded that the unauthorized duplicate charge and interest be withdrawn and reversed permanently. 

The canned and automated reply emails from Citi Simplicity ( the credit card company ) for my ongoing dispute are not reassuring. My trust in their process is waning. 

I did not make, nor did I authorize, a duplicate charge in the amount of {$3600.00} on XXXX the unauthorized charge was an error made by the salesman at the point of sale in the XXXX XXXX XXXX XXXX XXXX