davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

I am filing a complaint against LVNV Funding LLC regarding account XXXX. LVNV Funding purchased this debt from an original creditor that is not registered in Texas, and their right to conduct business has been forfeited. This raises serious questions about the legitimacy of the debt. I have notified this collection agency numerous times that I do not have an obligation with the original creditor listed on my credit report. LVNV Funding is falsifying information and harassing me as a consumer. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protection against such practices. I demand that all collection efforts cease and that this account be removed from my credit report. I am maintaining a paper trail of all correspondence related to this matter. I urge LVNV Funding to reference XXXX XXXX XXXX, XXXX, where the court held the collection agency accountable for failing to verify accurate information.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.rights. 

account name # XXXX XXXX account number # XXXX  XXXX account name # XXXX XXXX XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX  account number # XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (WA)

Dear CFPB, I am writing to file a complaint against LVNV Funding LLC for violations against rules set by the Consumer Financial Protection Bureau and the United States Code. 

On XX/XX/year>, LVNV Funding LLC placed a collection in the amount of {$8800.00} on my consumer credit report without first providing me with the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been given the opportunity to dispute this account, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Furthermore, LVNV Funding LLC has no authority to furnish any account to consumer reporting agencies without providing all necessary disclosures required by law. Their actions clearly violate 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I have copies of my credit report and any other relevant documents to support my complaint. I request that the CFPB investigate this matter and take appropriate action against LVNV Funding LLC for violations of the FDCPA. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOP Pioneer Partners LP (CA)

I submitted a claim under Louisiana XXXX " XXXX A. ) Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding XXXX percent per XXXX  during the period that the person is XXXX on XXXX XXXX. '' I have been paying over XXXX  % in interest since my first loan with Pioneer XXXX. Other companies have honored my Louisiana XXXX. On XX/XX/XXXX Pioneer sent me the following : " Dear XXXX, Pioneer Military Credit LLC has received your request to reduce the interest rate on your current loan offer under the federal Servicemembers Civil Relief Act, XXXX XXXX. XXXX ( SCRA ), and XXXX XXXX  Civil Relief and Consumer Rights Act, LA Rev XXXX XXXX. Pioneer Military Credit LLC strives for the best in customer satisfaction and appreciates the opportunity to assist you. 

The XXXX allows a XXXX XXXX  to request a creditor reduce the rate of interest to XXXX percent ( 6 % ) only for financial obligations that were incurred prior to the service member entering military service. 

XXXX interest rate cap for XXXX XXXX XXXX only applies to retail installment sales contracts, other contracts for the purchase of goods or services, or bonds, bills, notes, or other instruments of writing for the payment of money arising out of the contract or other transaction for the purchase of goods or services. LA XXXX XXXX XXXX ( XXXX ). As your loan with Pioneer Military Credit is a personal installment loan and is not in connection with the purchase of goods or services, your account does not qualify for the requested reduction in your interest rate. 

Pioneer Military Credit LLC thanks you for your service to our country. If you have any questions, please contact us at XXXX or by email at XXXX. 

Sincerely, Pioneer Military Credit '' The amount in paying on interest is way too high and its starting to put me in financial ruin. 

:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I was a victim of identity theft and there are a few accounts and inquires on my report because of this. I reached out to the reporting agency and company 's and requested that they remove these items, and they say that they have verified they are mine or accurate. I have requested multiple times for them to verify the documents and send me the documents showing these are accurate. I have now filed a report of fraud with the FTC I'm attaching it with this.

Section 605B of the Fair Credit Reporting Act ( FCRA ) allows a consumer to block information from their credit report with only an assertion, and without any input from or involvement of the creditor or debt collector who reported the information1. This section focuses on blocking information on a consumers credit report that is the result of their identity being stolen2. The consumer reporting agency is required to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (AK)

My husband is on XXXX XXXXXXXX XXXX Orders which makes us eligible for the SCRA benefit. I applied for the SCRA benefit with JP Morgan Chase Bank and they ultimately declined my request since the account is not in my husbands name and since we dont live in a community property state even though XXXX is. The SCRA act is for service members AND their spouses. I successfully used our SCRA benefits for all of my other banks and lowered my interest rate to 6 % besides Chase Bank. I meet every single requirement for these benefits, however Chase Bank told me it is up to each bank to interpret the service member civil relief act how they see fit. I find this to be completely wrong and unfair.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (CA)

On XX/XX/year> I initiated a transfer of XXXX XXXX it stated that it would take between 5-7 business days. On XX/XX/year> I contacted customer service asking why the transaction had not yet gone through and they stated that it was an internal error. I asked if they could please process that transfer as soon as possible the representative told me I would have to request the transfer again. I stated what happens if it doesn't go through again am I to wait another 7 business days to hope it goes through? I asked to be contacted immediately once they found out why the initial transfer did not go through. The money is still in my account but I have not been contacted by anyone from the bank to explain why it would not be completed by now.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED.

This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account!

Your company may be liable under the FCRA,
violating 15 USC 1681n and 15 USC 1681o for non-compliance.

Only accurate information is to be included on Comsumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXX XXXX XXXXXXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account! 

Your company may be liable under the FCRA, violating 15 USC 1681n and 15 USC 1681o for non-compliance.

Only accurate information is to be included on Comsumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXX XXXX XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NC)

Experian has literally made it impossible to freeze my credit. I got a notification that my XXXX appeared on the dark web and have been rushing to freeze it. It has been easy to do this at all of the bureaus, except Experian. I made an online account with them, but their " freeze '' button literally doesn't work. I have been trying to get on the phone with someone for the last XXXX hours, and it keeps saying that the expected wait time is XXXX minutes but they keep me waiting indefinitely. I am still on hold. This is incredibly unethical and violates my rights as a consumer. 

If someone falsely opens a credit card under my name and XXXX because Experian refuses to help consumers, I hope they will be held liable.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to report a case of identity theft and request your assistance in resolving the issue. I have discovered several fraudulent accounts on credit report, dated XX/XX/XXXX. These accounts were opened without my knowledge or consent and are negatively impacting my credit score.

Details of the Fraudulent Accounts : XXXX XXXX Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$1800.00}. 
XXXX XXXX Installment Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$21000.00}. 
XXXX XXXX XXXX Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$6800.00}. 
XXXX XXXX XXXX Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$2600.00}. 
XXXX XXXX XXXX Account number XXXX, balance of {$3900.00} Actions Taken : FTC Identity Theft Report : I have filed a report with the Federal Trade Commission ( FTC ) with reference number XXXX. 
Disputes with Credit Bureaus : I have also filed separate disputes with XXXX, XXXX, and TransUnion regarding these inaccurate entries.

CFPB Request for Blocking : In addition to disputing the accounts, I am formally requesting, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), to block all information appearing on my credit report that is a result of identity theft and fraud within 4 business days of receiving this complaint. 

Impact and Supporting Documents : These fraudulent accounts have significantly impacted my ability to obtain credit. I have included a copy of my credit report highlighting the aforementioned fraudulent entries. 

Conclusion :
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (AL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Previous Address ( es ) : 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 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 2024-10-09
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

On XXXX, XX/XX/XXXX, I received a letter post marked XX/XX/XXXX, containing a bill from my former apartment building XXXX XXXX XXXX XXXX XXXX. I was told to pay a balance of {$220.00}. The letter stated that I have " 30 days from the date on the letter, XX/XX/XXXX, or the debt goes to collections. '' On Monday morning, XX/XX/XXXX, I attempted to pay the bill. I scanned the QR code on the letter and filled out the form. I immediately emailed the apartment manager, XXXX XXXX ( XXXX ) XXXX to ensure the payment was accepted. XXXX did not respond, but a few hours later, I was contacted by a collection agency, XXXX XXXX XXXX ( reference number : XXXX ). 

That's not 30 days notice. That's les than XXXX hours. 

This is a crime. 

I have all the documentation, photos, screen shots, etc.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc. (PA)

VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor?

PURSUANT TO THE EDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
debt Please do olak at hy didi te XXXX rest atyhing ereceporti you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute XXXX XXXX ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CONTRACT CALLERS INC (IL)

Started a dispute XXXX of 2024 for the following creditors : XXXX XXXX XXXX XXXX XXXX Contract Callers INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX