davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with those accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (NJ)

This company, Receivables Management Partners, RMP has called me multiple times from multiple numbers after I stated this is something that should have already been managed and to send me it in writing. They rudely said they already did that and would send it again and I still never received anything. They have since called from multiple numbers all starting with XXXX. I have blocked a few as they are harassing at this point and then will get a call from yet another of their numbers.
Consumer complaint received 2024-10-08
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: Resurgent Capital Services L.P. (CA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear LVNV FUNDING LLC, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent.

It has come to my attention that LVNV FUNDING LLC has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Section 530.5 of the California Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, Californias Civil Code Section 1785.25, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law.

I assert that I have not provided any consent to LVNV FUNDING LLC to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law.

I demand that LVNV FUNDING LLC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the California Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting LVNV FUNDING LLC to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California.

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Consumer complaint received 2023-03-24
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number : XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account number : XXXX, XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NY)

I have been making payments of {$200.00} every 2 weeks to Sallie Mae. They are calling me everyday at least 3 times a day, and sending emails incessantly. The representatives are telling me that I have to make a payment of {$20000.00} a month on a {$290000.00} student loan. I advised that I do not have that and the lowest they will go is {$8700.00} a month, again money I do not have. I did tell them what I make a month which is about {$2200.00} net. There is no way I can pay what they are asking for. I have rent as well as car insurance, and other bills, which leaves me with little money to buy food. I also pay XXXX XXXX {$300.00} a month for a degree that I could not complete as Sallie Mae withdrew the funds at the a half mark of my last In addition, they are calling family members who are not related to the loan or a co-signer regarding this, though I am not sure how they obtained the information to contact them. 

I did advise them verbally XXXX weeks ago to cease and desist and they are still calling and emailing. 

As I realize this is a large student loan, how could they have continued to approve my requests knowing I was accumulating a very large debt? 

I am not trying to get out of paying the student loan, I would just like them to be reasonable considering my hardship.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NV)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate INQURIES reporting by XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (DE)

I have an unauthorized inquiry from Lightstream Bank on XXXX. Ive already sent in a dispute about this unauthorized inquiry and XXXX have not removed this unverified unauthorized inquiry from my consumer report. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report with out my explicit permission. LightStream bank have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft persuant to 18 U.S.C 1028A. I have not initiated any transaction with LightStream Bank furthermore i do not have an account as defined under 15 U.S.C 1693a ( 2 ) with LightStream bank for review or collection. This needs to be removed immediately.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (TX)

Companies are reporting accounts when I have never had any business with the companies. 

XXXX XXXXXXXX XXXX has never made contact with me regarding any accounts, nor have I ever had any accounts with them. I am requesting they provide me with detailed information showing I have had any account with the company. If they fail to do so, I am requesting they remove all reported accounts on all three credit bureaus.
Consumer complaint received 2024-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: BLINCLOANS, INC. (AL)

This is an account that I open over a year ago. Recently the company sent me a settled offer on the account to close the account in good faith. I was told the account would be closed within XXXX days of making the settlement offer. I made the payment on XXXX XXXX for {$1000.00}. The creditor is still reporting the account as open but past due. As of today I received notice of charge of status.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (WA)

XXXX reports that Citibank is sending them information that the following address is associated with my card account, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX However, Citibank is sending them incorrect city name ; the correct city name is XXXX XXXX XXXX Can you make that correction to the data you send XXXX please?
Consumer complaint received 2024-10-08
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (DC)

I just recently checked my credit report which has not had collections on it, and apparently a collections account was produced in XX/XX/year> for a balance of XXXX from Conserve Collections. I have received no personal mail, email, phone calls, or any other method of contact from this collector. Nor the alleged original creditor. I have not been informed of the debt let alone of any right to dispute, rather, punitively, this has been placed on my report. I have filed a dispute with credit reporting agencies. I have not directly contacted conserve as a XXXX XXXX search demonstrates their incredibly hostile and malicious behaviors against consumers regarding any collections account including request for verification. The fact that there is an account in my name that I have never once been informed of violates my technical rights to debt awareness. The additional context that is that Conserve has a track record of belligerency towards consumers is demonstrative of a need for regulation, and strict scrutiny of their reports at large. I would like to launch an inquiry into this specific instance regarding Conserves legal burden to communicate, and validate debt properly.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Dear Portfolio Recovery, I recently received a debt collection notice from your office. I'm writing to you to verify that first you have contacted the correct individual and request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

I accordance with the Fair Debt Collections practices Act ( FDCPA ), I request the following information. 

1. Name and address of the original creditor and the account number. 

2. Verification of debt account you are seeking to collect, including evidence that a contact exists creating the amount you claim is owed. 

3. Documentations of all assignments showing transactions of the debt from the original creditor to the current creditor. 

4. Proof that the original creditor securitized the debt. 

5. Documentation showing the assignment 's of the debt from the original creditor the secured trust and then back to the original creditor. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute you right to do so. 

Notification to other Collectors I dispute that I owe this should you transfer this debt to another collector, please inform them of my dispute requesting the validity to this debt. 

Thank you to your prompt attention to this matter.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MD)

I was enrolled in a promotional offer, whereupon if I spent a certain amount ( {$9000.00} ) during XXXX 2024, I would receive XXXX miles on my mileage card. 

I have confirmed I have spent the requisite amount. The miles were never reimbursed. I called the company multiple times, and many people tried to look into it. Each time, I was hanged up upon after being put on hold for 30-60 minutes. I finally sent a written request through the portal. I was promised a response in 5 days. That never happened. It's 10 days since then, and I have finally decided to open a formal complaint against this issuer.
Consumer complaint received 2024-10-08
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-08
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. (MN)

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 XXXXXX/XX/year> I looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to 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 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (DC)

Our mother passed away in XX/XX/XXXX. We made payments on her car during probate. When probate ended we worked with the lawyer to transfer the title and loan. We completed paperwork in XX/XX/XXXX. Honda Financial Services uploaded blank documents instead of completed forms. Resent paperwork in XX/XX/XXXX. Honda Financial said that they would process the paperwork. Sent additional paperwork that was not disclosed originally to the wrong address. 

We were finally able to have them email the documents after repeatedly saying that they could not email the documents. We got them notarized and submitted. Followed up with the company. They have received the documents weeks ago and will still not submit to the DMV for registration. Every time we call, Honda Financial Services says they will " expedite the request '' we call back and they still have not done anything on the case. This has been going on for two weeks since they said it would be 3-5 business days. 

The car registration is expired, we continue to make payments, insurance payments and car storage on the vehicle while they are unable to process a request we were told would only take a few weeks.
Consumer complaint received 2024-10-08
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC (TX)

Notice, I am XXXX XXXX and i am filing this complaint myself on my own behalf trying get an amicable resolution. 
This complaint is against RENTDEBT AUTOMATED COLLECTIONS , LLC ( RDAC ), for it's blatant violations of federal and state laws, including a severe invasion of privacy as defined under the Texas data privacy act. 

Key violations : 1. Invasion of Privacy : RDAC has admitted to obtaining and using my personal consumer information without my consent, a clear violation of my privacy rights under Texas Finance Code Chapter 392. This unauthorized use of my data constitutes an egregious invasion of privacy under Texas law. 

2. Violation of Texas Finance Code : As a Texas resident, I am protected by the Texas Finance Code, which RDAC has flagrantly disregarded. Their actions directly contravene Section 392.304, which prohibits fraudulent, deceptive, or misleading practices in debt collection. 

3. FDCPA Violations : RDAC continues to report information to credit bureaus despite a cease and desist order, violating 15 U.S.C. 1692c of the FDCPA. 

4. FCRA Violations : RDAC has reported inaccurate and unverified debt information to credit bureaus, damaging my creditworthiness in violation of the FCRA. 

5. Failure to Validate Debt : Despite my explicit demands, RDAC has not provided proper verification or validation of the alleged debt, as required by law. 

6. Non-Compliance with Dispute Resolution : RDAC has failed to respond to my dispute within the legally mandated time frame, demonstrating a willful disregard for consumer protection laws.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 


XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MS)

I was steered into interest-accruing forbearances or deferments and not informed about other, potentially more affordable repayment options, including the governments income-driven repayment plans.As a result, additional debt was accrued between XXXX and XXXX that resulted in having a larger repayment amount than the amount of the loans I took out.