davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a copy of the letter to TransUnion with items to disputes on letter that's attached on XX/XX/2021. No items was removed, no information from TransUnion was received to me. It's been over 30 days. My complaints was to have inaccurate reporting information on my credit removed. The inaccurate and obsolete accounts and unauthorized inquiries were not removed as they should have been.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (SC)

National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$3300.00} Dear XXXX, After reviewing my consumer report, I have some concerns about the validity of your reporting. 

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). 

I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. 

Request is hereby made that XXXX XXXX XXXX XXXX XXXX and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt National Credit Systems , Inc . 
claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to XXXX XXXX XXXX XXXX XXXX for the alleged debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what XXXX XXXX XXXX XXXX XXXX claims the payment is owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount XXXX XXXX XXXX XXXX XXXX claim I owe. 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which XXXX XXXX XXXX XXXX XXXX is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the dunning letter.

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. 

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Provide a statement showing the relationship XXXX XXXX XXXX, Inc.has with XXXX, and advise how XXXX XXXX XXXX, XXXX XXXX gained access to my private personal data without my exclusive written consent. 

Dated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my consumer rights by reporting inaccurate/unverifiable information on my consumer report. 

Inaccurate information showing on my consumer report : XXXX XXXX XXXX XXXX Opened XXXX {$3300.00} The alleged collection account does not belong to me.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/updated.

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

on XX/XX/XXXX I checked my acct and noticed a transaction for XXXX for a room at the XXXX hotel in XXXX booked on XXXX I called wells Fargo and reported and unauthorized transaction they filed a fraudulent charge and closed that debit card and issued a new one the transaction was made on XXXX it appears that my card had been hacked or my acct had I normally get notices for transactions which are not normal practices but I didn't this time I have not received the letter yet but when I checked with the claims debt they advised me my claim was denied on XX/XX/XXXX and I authorized the transaction I am XXXX XXXX XXXX I receive a pension I do not have a passport and no one has access to my card I'm in XXXX XXXX  we are having issues here which may be why I haven't received the letter I believe if it was properly investigated they would be able to tell it was not thank you.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

To Whom It May Concern : This is my second time contacting you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Please delete ALL other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX is NOT my address. XXXX XXXX XXXX XXXX XXXX XXXX is NOT my address. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

Please also remove all employer names from my report. I do not know why XXXX XXXX XXXXXXXX is listed as my employer because I never worked at this place. This information is incorrect so please REMOVE all employer information immediately. I attached my id, SSC and valid proof of address to this letter.
Consumer complaint received 2023-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2024-07-06
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (FL)

I NOTICED IN MY CREDIT REPORT THAT THIS COMPANY SEQUIUN ASSET SOLUTIONS KEEP REPORTING TO THE ALL 3 MAJOR CREDIT BUREAUS THE LAST TIME WAS XX/XX/year> I NEVER RECEIVE A LETTER BY THEM OR GIVEN ANY PERMITION OR CONSENT TO DO THIS ACCORDIND TO THE U.S 15 USC 1692C ITS IS ILEGAL FOR A COLLECTION COMPANY TO KEEP REPORTING TO THE CREDIT BURREAUS WITH MY CONSENT OR PERMITION PLEASE VERIFY THIS AND DELETE THIS FROM MY ACCOUNT.
Consumer complaint received 2024-07-06
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. (TX)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XX/XX/XXXX 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 2024-07-06
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (OH)

Back in XXXX I was a severe victim of identity theft.in XXXX i got XXXX  3 times and almost XXXX XXXX.and also got robbed and as a result someone Stole my ID, SOCIAL, BIRTH CERTIFICATE, RELIACARD, CREDIT CARDS AND OTHER DEBIT CARDS.XXXX dollars was removed fraudulently from my US RELIACARD.credit inquiries were made XXXX more credit card accounts were open and maxed out, all my banks was accessible, credit profile was accessible, even sold my information and put it on the DARK WEB and PLUS student loans were took out in my name in XXXX XXXXi had to go file another ID THEFT POLICE REPORT due to me being homeless now due to me going through this situation for over a year.i need to get this handled. I gave this company my FTC REPORT POLICE REPORT AND MORE, WASNT RESOLVED AS A VICTIM -report already got approved officer contacted me already regarding this serious sad concern.
Consumer complaint received 2024-07-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

XX/XX/2024 I got a notification that my XXXX XXXX was affected by debt collection of {$8500.00} from XXXX XXXX XXXX XXXX XXXX, XXXX I served as a courtesy XXXX XXXXXXXX for the complex. My rent XXXX XXXX in which I only XXXX XXXX on my own in which I did. 

I ended my contract in which the XXXX XXXX was ending my contact due to my XXXX XXXX XXXX and in exchange they would not affect anything against me as they would hire another XXXX to fill the spot. 

I was not notified by anyone from XXXX XXXX XXXX nor the creditor until I noticed an alert with my XXXX XXXX that dropped XXXX points from over a XXXX XXXX XXXX I have achieved. 

I contacted Pro Collect INC in which the agent stated he did not want to hear anything from me and that I have to pay this. I attempted to explain that XXXX XXXX XXXX and myself have a contract that states this. Unfortunately the unprofessional agent refused to let me talk and stated he had my contract. I further attempted to explain in which he hung up multiple times and stated I dont know who youre talking to about this in a rude and belittling manner, and proceeds to hang up the phone call which hinders my ability to deal with this miscommunication he is not willing to address.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

On XX/XX/year>, I wrote letters to both XXXX and Experian regarding reporting errors on my credit reports. I notified them that I was never late on my payments and provided evidence of inaccuracies straight from my credit reports. Despite my efforts, neither company responded to my disputes nor did they enter a notice of dispute from XX/XX/XXXX to XX/XX/year>. Additionally, they have not provided me with any results from their investigations. 

Upon reviewing my attached documents, you will find the account in question showing the following discrepancies : Experian : XXXX late payments XXXX : XXXX late payment XXXX : XXXX late payments It is perplexing how the same account can have different late payment reports across different credit bureaus. Specifically, XXXX month XXXX indicates I was late, then the next month I wasnt late, while Experian reported late payments for the XXXX months prior. Meanwhile, XXXX reported on-time payments in the previous month. 

This situation is extremely frustrating and has caused undue stress. I request the removal of all late payments from this account and an update to reflect " paid never late. '' Thank you for your prompt attention to this matter. 

Attachments : Letters sent to XXXX and Experian dated XX/XX/year> XXXX reports showing discrepancies
Consumer complaint received 2024-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (IL)

I am having a XXXX problem with Loancare Mortgage Servicing. XXXX XXXX XXXX XXXX XXXX, VA XXXX with regard to alleged outstanding late fees on my Mortgage Loan. XXXX XXXX XXXX for my XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 

Loan Care became the loan servicing company in XX/XX/XXXX. Starting in XX/XX/XXXX, and every month thereafter, XXXXXXXX XXXX has send an automatic payment in the amount of {$1200.00} monthly, which is the fixed monthly payment ( Principal and Interest ) for the life of the loan. ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) The loan has not Escrow account. I pay my own insurance and taxes I have provided Loancare with all Insurance Documents, both from XXXX XXXX XXXX and policies I purchased and maintain. 

Loancare has assessed late fees to my loan even though every payment has been made ontime. 

On XX/XX/XXXX I called Loancare Customer Service to try and resolve. After an extended call with Customer Service, I was advised that they could not resolve the late fee issue. I was instructed to email XXXX to open case to research this issue. I emailed loancare on XX/XX/XXXX as instructed. ( Attachement B ). 

MONTHLY Statement XX/XX/XXXX ( Attachment C ) shows a Past Due Amount of {$1400.00} and a Late Fee of {$64.00} DESPITE EVERY MORTGAGE PAYMENT SINCE XX/XX/XXXX WAS MADE ONTIME. 

XX/XX/XXXX Loancare sent me a letter ( Attachment D ) that I have missed XXXX mortgage payment and my account is 40 days past due. They mention FORECLOSURE.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, is A Debt Collector that bought the debt from XXXX by the name of Credit Control Debt Collector, This company has caused me a lot of XXXX because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile along with this Debt Collector, 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me many problems, I can't get good rates on insurance or credit or a loan!!! I want this derogatory information removed from my credit profile because I did not give consent per 15 USC 1681 ( a ), ( 1 ), ( 4 ), ( b ) compensate me for the violation. Update my credit profile, I want Everything in writing also the investigation 15 USC 1681j 12 CFR Part 1022, Subpart N, ( C ) Nation-wide specialty consumer reporting agency, 15 USC 1681i ( iii ), ( 7 ) Description of reinvestigation procedure no later than 15 days ( 8 ) Expedited dispute resolution ( e ) Treatment of complaints and report to congress, Update my address & remove the old address on my profile because I don't live at those listed address but one address which is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX it's not accurate 15 USC 1681 ( a ) Accuracy and fairness of credit reporting.
Consumer complaint received 2024-07-14
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. (OH)

I am writing to file a formal complaint against LVNV FUNDING LLC for multiple violations of consumer protection laws, including 12 CFR 1006.34b-5, 12 CFR 1006.34c4i, 12 CFR 1006.34d, and 15 USC 1681 S2 7a . On XX/XX/year>, I received communication from LVNV FUNDING LLC regarding an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I promptly requested validation of the debt in writing. However, LVNV FUNDING LLC failed to provide the required validation information within the prescribed timeframe, violating 12 CFR 1006.34b-5. Furthermore, LVNV FUNDING LLC engaged in deceptive practices by failing to disclose in subsequent communications that the debt was disputed, as required by 12 CFR 1006.34c4i. Moreover, LVNV FUNDING LLC persisted in using harassing and abusive tactics, including contacting me at unreasonable hours and using threatening language, in clear violation of 12 CFR 1006.34d. Additionally, LVNV FUNDING LLC obtained and utilized my consumer report information in an unauthorized manner, violating 15 USC 1681 S2 7a of the Fair Credit Reporting Act ( FCRA ). These actions by LVNV FUNDING LLC have caused undue stress and hardship. I request that the Consumer Financial Protection Bureau investigate these violations thoroughly and take appropriate enforcement actions against LVNV FUNDING LLC. Furthermore, I seek remedies for the damages incurred as a result of their unlawful actions. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to ensure that LVNV FUNDING LLC complies with all relevant consumer protection laws.
Consumer complaint received 2024-07-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (CA)

Agreed to an installment loan with " Synchrony HOME '' which included special financing terms, applied with my partner. I was never able to make a payment online, nor was I able to log-in to my account online. I never received a statement via email or regular mail. There are too many phone numbers for this company to list here and only one of them recognized my information ( even though it was all clearly on my loan application ) and allowed me to make a payment over the phone one time, I was not able to get back through to that phone number again. The Synchrony website would not provide a means to contact support via email OR phone unless I logged into my account which as I stated I was never able to do, I had to XXXX search for their phone numbers in many different ways just to get a number which could eventually reach a live human being to help me. 

Due to this process and the complete inability to access my account I was charged approximately {$500.00} interest on an installment loan which was supposed to be 0 % interest, all because it took me a week past the deadline to actually reach a real person who I could payoff the loan with.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (AZ)

I applied for a loan and this company failed to reply in a timely fashion, ignored my email requests, spoke with me multiple times via representatives " off shore '' possibly in XXXX. They never asked me last XXXX ss and XXXX when they came back to the line. They were inexperienced in examining my financials, and even asked me to send a personal document ( my tax return ) to an unsecured email address. They repeatedly violated privacy and provided poor services, and failed to give me a supervisor in the XXXX. Now I have a hard inquiry and they did nothing for me. I want the hard inquiry erased, and I would like to see Avant investigated for privacy violations. The offshore agents have no idea what they are doing and are security liabilities.
Consumer complaint received 2023-09-04
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.