davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Heavner, Beyers & Mihlar LLC (IL)

XX/XX/year> a credit application was submitted on behalf of the XXXXXXXX XXXX by XXXX XXXX, a salesperson at XXXX XXXX XXXX XXXX XXXX. The salesperson falsely represented a salary, with knowledge of its falsity, with the intent to deceive, making the trust estate rely on the misrepresentation. The securitization of the retail installment agreement by XXXX XXXX XXXX, which allowed for the dealers book to clear for the underwriting of more credit applications, exhibits the acknowledgment of the salary verification process used by their partner XXXX XXXX XXXX XXXX XXXX as well as the salary verification document used to verify the salary, if any. HEAVNER, BEYERS, & MIHLAR LLC are attempting to collect on a debt deceitful from its inception, in which the managerial accounting attributed to the trust estate located at both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX will demonstrate. Let this also be a notice that allows HEAVNER, BEYERS, & MIHLAR LLC to send correspondence through CFPB portal.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Regarding my previous complaint filed under claim ID XXXX, Bank of America XXXXad instructed me to contact a resolutions associate providing a telephone number. I tried to call this person over the last month or so and I must have called over a dozen times and left as many messages but there unfortunately has been no answer from him and Ive had absolutely no luck reaching him as instructed despite calling at various times of what Bank of America had informed me were his office hours. I have not spoken with this case with anyone at the bank despite their reporting that they have been in touch with me.
Consumer complaint received 2024-07-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Resurgent Capital Services L.P. (MI)

Justice of the PeacXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rule XXXX ( d ) ( XXXX ) Relief from a Judgment or Order ) Entertain an Independent Action Vs. ) Set Aside a Judgment for Fraud on the Court ) Counterclaim on Same Facts LVNV Funding LLC ) Incidents of Usury Aid and Abet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-27
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 checked my credit profile and found some credit card accounts and inquiries that can't in no way be verified and information that is not 100 % accurate these items are not being reported as 100 % correct! I Now know that this is against the laws that protect me and other consumers alike to report any information, data, credit cards, or inquiries that have not been showing to be 100 % accurate. Inside The fair credit reporting act it say that every single thing on my credit must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ) these fraudulent collections on my credit report is a huge violation of not reporting a account 100 % accurately for these violations I can sue Experian for {$4000.00} in federal court and I can sue XXXX for {$4000.00} in federal court which is {$1000.00} per violation!
Consumer complaint received 2024-09-06
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. (FL)

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. 

XXXX XXXX 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 XXXXXXXX, 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.

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 2024-07-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (OH)

pursuant to 15 usc 1681 a2 i did not give LVNV FUNDING my written permission to have these accounts furnished on my report this constitutes as identity theft if no written, oral, or electronic permission was given i have uploaded a copy of my FTC report and also the Gram-leach-bliley act state 's i am suppose be given an " OPT OUT '' notice and a way to opt out of my information being shared to credit bureaus and i havent recieved any notices ever in that order
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (HI)

The following account is hurting my credit rating, credit standing, and credit capacity Citi [ Account # XXXX ]. Pursuant to section 623 ( b ) ( 1 ) ( E ) ( ii ) I am demanding that this agency removes this account from all of my consumer reports as it is inaccurate, incomplete, and/or unverifiable. This account was removed from a consumer reporting agency because it did not comply with the FCRA therefore as a supporting documentation, your agency now has a reasonable cause to believe that the furnished information is inaccurate and must be permanently removed from my consumer reports.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo Auto Credit Bureau Operation, has caused unwanted marketing problem by not having a paid account loan to be removed from the credit once paid. I have experienced higher debt ratio when a paid car loan remains on the credit report. This debt ratio is used to inflated the cost of the next vehicle, because of the previous vehicle paid status. Meaning that because this information is shared with the dealership it ultimately puts you in a higher car value because you paid off the vehicle. This information should not be shared with the car dealership because it creates a debt ratio trap.
Consumer complaint received 2024-07-26
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)

During a review of my credit report a few months ago, I found mistakes related to the LVNV FUNDING LLC account ( XXXX ). This violates my rights. I have challenged these errors with the three credit bureaus and the collector, but the responses were generic. Therefore, I am filing this complaint based on my research. The company is violating sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Consumer complaint received 2024-07-26
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: DISCOVER BANK (MO)

After receiving a copy of my credit report, I noticed an inquiry from Discover Bank dated XX/XX/year>. I contacted the credit reporting agencies and was advised to contact the company directly. I did contact Discover and was advised that they records show that I applied for credit. I did advise them that I did not apply for any credit and requested verification of that request. I did not receive the requested information. Instead, there is now a second request dated XXXXwhich was XXXX days after I spoke with them and requested information.
Consumer complaint received 2024-07-26
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. (NC)

Request for Assistance with Fraudulent Account Dispute I have been disputing a fraudulent account with Experian and XXXX XXXX for several months without any resolution. Despite my efforts, including filing a police report, neither Experian nor XXXX XXXX has been willing to assist me in resolving this matter. Someone has stolen my information to obtain this account, and my repeated attempts to address this issue with both entities have been ignored. I have reached out to them at least three times with no success. 

Experian actually had the nerve to write me and tell me to that I needed to contact XXXX XXXX. again. They are simply refusing to help me. They never even sent me any info on how they claimed to have verified this theft.. I have also uploaded Experians dispute results where they claimed to have verified this theft is mine.
Consumer complaint received 2024-07-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I have a collection from XXXX XXXX XXXX for a lease with them, however I have never lived or sing a leasing contract with them they send the collection with Columbia Debt recovery agency wich I contact and said that they don't have anything in my SSN. I don't know if someone still my identity or it a error. But I would like to. Clear that collection from my credit report can cause further problems and need to solve the issue.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank/BB & T/Suntrust XXXX XXXX XXXX XXXX, NC XXXX Reports charge off from XXXX. This account was also paid in full. The letter is attached. it was not a charge-off as reported. It was on auto pay and paid on time It was not a charge-off as reported. It was on auto-pay and paid on time.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (NY)

I was a victim of Identity theft on XX/XX/XXXX where someone opened a fraudulent bank account in my name. I was incarcerated ( sent to prison ) on XX/XX/XXXX and spent 5 years in prison, being released on XX/XX/XXXX. There was no way possible that I could have opened a bank account at this time. I think my kids mother opened the fraudulent bank account in my name and never told me about it. I am asking can you please have this information removed from all my credit reports. 

Attached you will find documents showing that I was incarcerated during the time this account was opened. 

Thank you
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MA)

I am writing to express my deep concern and frustration regarding an error with my credit card report. All XXXX  major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me XXXX XXXX, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind backintomylife.
Consumer complaint received 2024-07-26
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. (AZ)

The promotion offer was for Earn XXXX points after spending {$3000.00} on purchases within the first XXXX months of account opening. 

I spent the {$3000.00} within the allotted time, and when I called I was informed I had instead received a promotion for {$200.00} statement credit. This was mentioned no where when I was applying, and when I called Chase in early XXXX, I was told on the phone I HAD applied within the proper window and that a request would be put in to the marketing department to have the {$200.00} statement credit taken off my account and replaced with points. 

I called again late XXXX to find out that the request was denied, with no sort of reasoning or explanation. This is totally dishonest marketing.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (MD)

Citibank has recently shifted to " simplified banking '' which is not simple. They have a disclosure which is very difficult to understand and know what fees I am subject to. I asked if based upon my activity I would be subject to the new fees and their response was that there is one account which will be subject to the fee, but did not tell me which. I have asked to know which account is subject and they have failed to provide this information subjecting me to the new fee.
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

Good Morning, Upon reviewing my consumer report ( after being denied a loan from the bank ) I noticed a debt in the amount of {$1900.00} owed to your company .LVNV Funding LLC . I am unaware of this debt, I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I received proper notification, please provide the certified mail with a receipt with my signature on there, stating that I received it. If in fact you can't provide this information, I request that you remove this debt from my consumer report immediately.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MPOWER Financing, Public Benefit Corporation (TX)

My loan with Mpower financing was denied on XX/XX/year> stating that there are some delinquent pas and present obligations provided by XXXX credit. I have not seen the report and i do not know where that is coming from. I would like to see a copy of the report and if possible work on resolving every issue on there.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services (TN)

I filed a few disputes with XXXX confirmation # XXXX # XXXX # XXXX about me victim of identity theft and I was effected by XXXX data breach and XXXX XXXX XXXX data breach. XXXX is refusing to remove these inquiries that I didn't authorize. XXXX XXXX XXXX XXXX LENDMARK FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Someone used my information without my authorization for I am victim of identity theft.
Consumer complaint received 2024-07-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-09-06
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. (FL)

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. 

XXXX XXXX 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 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.

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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo (MA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on any purpose As you may be aware, this section mandates strict permissible purposes for accessing and reporting consumer credit information. The presence of these late payments on my credit report constitutes a violation of this statute. Consequently, I am requesting the immediate deletion of these late payment entries from my credit report to rectify this error and ensure compliance with federal regulations. 

Please confirm in writing the deletion of the late payment entries within 30 days of receipt of this letter. I appreciate your prompt attention to this matter and look forward to your swift resolution.
Consumer complaint received 2024-07-15
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. (MI)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX, # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 generallf, 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 delete
d 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.