davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (CA)

Here 's a draft for the CFPB complaint : -- - To Whom It May Concern at the CFPB, I am submitting a complaint regarding LVNV Funding LLC, operating under Resurgent Capital Services, for their failure to validate a debt for which I am not liable. This account has been inaccurately reported on my credit report, despite my repeated attempts to resolve this matter directly with the debt collector.

Account Information : Collection Agency : LVNV Funding LLC, c/o Resurgent Capital Services Account Number : XXXX Original Creditor XXXX XXXX XXXX XXXX  ( XXXX XXXX  ) Balance Reported : {$350.00} Date Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX Address of Resurgent Capital Services : XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX Summary of Issue : On XX/XX/XXXX, I mailed a formal debt validation letter to LVNV Funding LLC, requesting verification of the debt and evidence of my liability for it. I have never conducted business with LVNV Funding LLC or Resurgent Capital Services, nor with the original creditor listed in this collection account. Despite this, LVNV Funding LLC has failed to provide any documentation to validate this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of the alleged debt, and the companys non-response violates federal consumer protection regulations. Furthermore, the failure to validate this debt and ongoing reporting of this collection negatively impacts my credit, which has caused unnecessary financial and emotional distress. 

Requested Resolution : I request that LVNV Funding LLC : 1. Provide documented verification of this debt, demonstrating

that it is legally mine, and that they have the authority to collect. 2. If they are unable to provide the necessary verification, remov
e the collection account immediately from my credit reports across all credit bureaus ( XXXX, XXXX, and XXXX ). 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
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: Experian Information Solutions Inc. (CA)

I'm concerned about the unfamiliar inquiries on my credit report to which I also did not applied to. I didn't authorize nor consent to these companies accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX
Consumer complaint received 2017-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Date of the transaction : X/XX/2017 Amount : {$1800.00} Apparently I was charged for merchandise that were sent to a different residential address. I have spoken to the merchant and was told they made a mistake and advised me to dispute the charge with the bank due to them having trouble with some error. I gave many documents to support what happened as well as where the merchandise went to. I gave everything that the Chase Claim department would need to approve the claim. A month or two later they noticed me that the merchant gave valid information to state that the charge was correct. Then, I appealed the case stating that 's not possible, as well as giving more documents to support the fraudulent charge. However, the bank denied the appeal a week later and I 'm out {$1800.00} now ...
Consumer complaint received 2017-05-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Spring Equity LLC (NC)

I contacted the company for a Home Equity Loan in early XX/XX/XXXX. They asked me for specific information including providing W2s, Paystubs, Mortgage statements, drivers licenses, homeowners insurance and additional information necessary to conditionally approve my application and forward to underwriting. They ran a `` Drive By Appraisal '' which I paid {$180.00} for and was significantly lower than the Market Comps ( appraised for {$390000.00} ). They asked me to send Market Comps and they would share with Underwriting - I also shared a full appraisal when I refinanced my first mortgage with XXXX XXXX last year which was appraised at {$420000.00}. I provided that last week and they are now not responding to any e-mails. I believe this company may be unfairly deceiving consumers to generate appraisal fees as a revenue stream. In fact, I applied for a similar loan with XXXX, and the process was streamlined and they ran a Desktop Appraisal which was consistent with the Market Comps ( {$440000.00} XXXX.
Consumer complaint received 2024-10-26
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. (NJ)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-30
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. (LA)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNT
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 



I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-10-26
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. (TX)

I have found fraudulent inquiries on my credit report that I need removed immediately. The fraudulent inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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. (IL)

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Under the provisions of 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file : Unauthorized Accounts : XXXX. XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$7900.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$860.00} XXXX. XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$870.00} XXXX. XXXX XXXX IN Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$870.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$860.00} XXXX. XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$130.00} Unauthorized Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2024-08-19
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: EQUIFAX, INC. (TX)

I do not recognize these inquiries, and I have asked for them to be removed, and the bureaus did not do as I asked. I am providing an identity theft report which will be attached. I am requesting the following inquiries to be removed because the inquiries are in accurate and not mine.
Consumer complaint received 2024-08-19
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MCT GROUP INC. (CA)

I am a human trafficking survivor these accounts listed aren't mine please help me rectify this. 

I have no knowledge or connections with any account listed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MO)

Jefferson capital systems as of XX/XX/year> tried to get {$860.00}. On my credit report from account that has been settled for XXXX $ which I pd but wasnt given a confirmation number on. Last year settlement offer completed by me for this bill XXXX XXXX telephone bill They just put on credit report as derogatory statement. Please help me get this off my credit report
Consumer complaint received 2017-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

On   XXXX   XXXX   XXXX    , I received a notice from FedLoan Servicing telling me that it was time to renew my Revised Pay As You Earn repayment plan. This notice advised me to re-certify using  XXXX . It never told me that I would not be able to import my tax return as I had been doing for years.     On   XXXX   XXXX   XXXX    , I went to  XXXX  to renew my repayment plan. I completed the online application and had my spouse complete his portion on  XXXX .   XXXX   then instructed me to mail a paper copy of my application to FedLoan Servicing along with my tax return.     FedLoan Servicing never told me that I could upload everything online ; I had to figure that out on my own.     I submitted my application and my tax return  online. ( See att ached screenshots. ) On   XXXX   XXXX   XXXX    , I received an email stating that FedLoan Servicing had received my application and was processing it.     Then on   XXXX   XXXX   XXXX     I received an email from FedLoan Servicing stating that I had a message. I retrieved the message and it told me that it was unable to process my application because I had not provided income documentation. It then told me that I needed to reapply using  XXXX . It did n't even provide me a way to fix my application. This letter was very confusing.     I called FedLoan Servicing later on   XXXX   XXXX   XXXX      . I spoke with  XXXX  employee ID #  XXXX . He said that the letter I received was likely automatically generated because I did n't import my tax return online. This seems implausible. Why would FedLoan Servicing autogenerate a letter denying my application? He looked into my files and saw that the application and tax return were there.
Consumer complaint received 2024-08-19
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. (NY)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 2023-08-10
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: Experian Information Solutions Inc. (NY)

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Funds were taken from my checking account on these dates and for these amounts. All the funds were taken by using XXXX. I am XXXX XXXX XXXX. I have never used any type of app to move money in my entire life. I don't know how to use them. You can clearly see that in all of my banking records. The total amount comes to {$6800.00}. I have went to Chase several times in person and filed the proper paperwork and complaints and they have denied me multiple times to refund me of the money that was clearly taken from my account. I also filed 2 police reports about this situation, which I will attach below. 

XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$920.00} XX/XX/XXXX, XXXX {$870.00} XX/XX/XXXX, XXXX {$740.00} XX/XX/XXXX, XXXX {$630.00} XX/XX/XXXX, XXXX {$620.00} XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$380.00} XX/XX/XXXX, XXXX {$380.00} XX/XX/XXXX, XXXX {$360.00} XX/XX/XXXX, XXXX {$350.00}
Consumer complaint received 2024-10-24
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. (NY)

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ran a hard inquiry on my credit report without my permission. 

On XX/XX/year> XXXX XXXX XXXX XXXX ran a hard inquiry on my credit report without my permission. 

On XX/XX/year> CITI CARDS CBNA ran a hard inquiry on my credit report without my permission.
Consumer complaint received 2024-09-28
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-26
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. (NY)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-05-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

An insurance check from   XXXX   XXXX    county   XXXX   XXXX   XXXX   was addressed and issued to the Insured policy owner and the   busines s   ( auto body shop ) for repairs  on our vehicle created by an accident. A claim was made to the insurance company ; therefore a check was issued and the ins urance adjuster hand delivered the check to the owner of the  body shop and t he che ck was Payable to : the insurance policy owner and the   body shop       XX/XX/XXXX . The owner of the body shop took the Check to Wells Fargo Bank on  XX/XX/XXXX  a  nd the teller directly deposited the check WITHOUT the Insurance Policy Ow ner 's signature. I received a copy of the check from t he Insurance Co. and no  signatures were on back of the check. On the back of the Check it states : Personal Endorsement of Each Payee Required ENDORSEE : Please endorse check exactly as your name appears on the face. THEN it was stamped by  Wells Fargo " CR EDITED TO THE ACCOUNT OF WITHIN NAMED PAYEE ''. The amount of the check is twice of the quote given to us for repairs ; therefore, this money was stolen and falsified. Therefore, I am filing a complaint against  Wells Fargo on a llowing funds illegally to be deposited to t his body shops account without Consent. No Consent form was signed nor do we   have any invoices on the body work done to the vehicle. Requesting the difference of the amount quoted to us for the body work done. A verbal quote from the body shop was {$2100.00} and the check was written for {$4800.00} due to the lack of responsibility on  Wells Fargo Bank allo wing this individual to take money without our consent and due to the nature of this claim our insurance premiums went up.
Consumer complaint received 2024-11-01
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)

Hello I do not recognize this address please remove, thank you for your help. 
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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to formally complain about fraudulent accounts on my credit report that remain despite my previous notifications to the creditors. The accounts in question are : - XXXX XXXX XXXX, Account Number : XXXX - XXXX XXXX XXXX, Account Number : XXXX I have previously contacted these creditors, and although they claimed to investigate, the fraudulent accounts remain. This situation is a violation of several provisions under 15 USC Code laws.

I am attaching the FTC report for reference and request immediate removal of these accounts from my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Creditors customer service representative.