davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, 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. (PA)

I have a derogatory report from a corporation by the name of LVNV FUNDING LLC. I have no business with this company. I'm not sure who they brought my information from, but this is violating me in numerous ways. My personal information have been shared without my consent, as well as this corporation reporting to various credit bureaus negative information causing me hardship. 

They are reporting several times to these credit agencies for different amounts, and under different addresses. This is a tort cases, as well as they are violating my civil rights. 

These corporations not only try to destroy your character ; they try to put a strain on your livelihood for profit. These practices are illegal, and we as consumers suffer the consequences of their actions. these debts are already paid through our Cesti due trust. 

The Federal Government took our lawful money out of circulation in XXXX  but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar
Consumer complaint received 2024-07-20
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)

I am writing in response to your notice about an alleged debt collection. ( XXXX XXXX XXXX  ) Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in XXXX. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address above. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation.
Consumer complaint received 2023-12-04
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (OH)

This debt doesn't belong to me. It is to be charged to a business. After speaking with these people and them calling me from different phone numbers and explaining to them this belongs to a business and not me personally they said oh well it is in your name and not the business when in fact, i did explain each time it shouldn't be and they should contact the originator of the bill for clarification.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have some inquiries that I am unaware of on my credit report and have no knowledge to at all and I also have some closed accounts that are still on report that need to be removed. 

Below are inquiries that I am unaware of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Down below are paid closed accounts and collections that need to be removed as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are closed paid accounts but still under late payments and need to be removed.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 XXXX XXXX XXXX. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-12-04
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. (IL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX Balance Owed : {$8300.00} XXXX  XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX  Balance Owed : {$8300.00} XXXX XXXX XXXX Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-08-02
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. (GA)

XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these ACCOUNTS : Public Record : XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-03-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I have a 30-year VA-guaranteed mortgage loan with fixed payments of $ XXXX with lender Navy Federal Credit Union ( NFCU ) since XXXX XXXX. 

Around the last week of XXXX, I received a letter from NFCU stating that beginning XXXX my monthly payment would increase to $ XXXX ( {$670.00} total escrow increase for XXXX ), the reason for increase unclear. Also stated, I had until XX/XX/XXXX to pay the entire amount as an option to keep my payment from increasing. On XX/XX/XXXX, I mailed the full escrow increase payment to avoid the increase-see attached copy. 

On XX/XX/XXXX I checked my mortgage to insure my monthly payment was still as originally agreed, but instead I saw it was increased to the new higher monthly payment. I immediately called NFCU at XXXX and spoke with XXXX. After explaining the above, she just stated repeatedly that even with the full {$670.00} payment I still owed additional money, but couldnt provide a single logical reason for her absurd statement. I unequivocally asked to get everything explained in writing, but they have refused.
Consumer complaint received 2023-03-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Equity Auto Finance, Inc. (FL)

As of XX/XX/2023 my account on my vehicle was 35 days past due. On XX/XX/2023 the vehicle was repossessed without notice. After paying over $ XXXX on the vehicle
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NY)

I started a complaint on CFPB with Synchrony/Paypal Credit XXXX XXXX : XXXX ). The company responded and closed my complaint right away. They did not allow me to respond. Here I have written my response and require follow up from PayPal/Synchrony .

I disagree with the information Synchrony/Paypal sent in their response by XXXX XXXX XXXX XXXX is attached in case number provided above ). I request this case be reopened and a follow up for my response. Here are 6 questions/concerns : 1. Their response states I didnt set up an auto-pay payment plan. Yet I set up the payment plan via phone call. Its all in the recorded call. In the call, the agent stated I was enrolled in auto-pay for minimum payment. They provided 0 information of this in their response. Thus, I request a review of the call with the agent. How can I receive this information/how can we confirm you review the call?

2. You stated my payment plan was opened XX/XX/XXXX. The first payment that was missed was XX/XX/XXXX. All of those payments in between were on-time and NOT manually paid. It was all autopay. So please explain how I wasnt enrolled in auto-pay?

3.I cross-referenced my bank account linked to PayPal payments and it had sufficient funds for the dates you state I missed payment and indicated in your response. Thus, if my account was on auto-pay as it shouldve been AND as mentioned in the call AND as it was for months prior, there would be 0 missed payments. So why wasnt it charged autopay? Or did you guys cancel the autopay?

4. Your response states I shouldve received CAP emails. Which of my emails were they sending notifications it to?

5.Has PayPal/Synchrony sent me any lawsuit letters for this collection? 

6.A quick investigation on PayPal/Synchrony within the past years shows that they have canceled auto-pay for individuals ( unbeknownst to the customer ) and have caused mishaps with peoples payments. You can actually see people complaining about this right on the PAYPAL COMMUNITY section on PayPal.com here : XXXX XXXX XXXX 

Another example on Fico websites where customers have submitted complaints on this as well : XXXX XXXX XXXXXXXX All that said, this case needs to be reopened and I need a proper and thorough investigation into the call where we agreed I would be on auto-pay. In addition, I have proof the on-time payments were done via auto-pay charges and not manually. So we need to further discuss this. Please answer all questions and AWAIT my answer instead of closing the complaint.
Consumer complaint received 2023-03-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MD)

Dear [ Collection Agency Name ], I am writing to formally dispute a debt that your company claims I owe to XXXX XXXX. According to your records, the amount of the debt is {$59.00}. 
As a responsible consumer, I am entitled to request validation of any debt being collected from me, as outlined in the Fair Debt Collection Practices Act. Therefore, I am formally requesting that you provide me with the following documents to validate this debt : 1. A copy of the original contract or agreement between myself and XXXX XXXX, showing that I am responsible for the debt. 
2. A complete payment history for the debt, including any payments that have been made, the dates they were made, and the method of payment.

3. Copies of any billing statements or invoices that show the charges being claimed as part of this debt.

4. Any other documentation that may be necessary to prove the validity of this debt.

I kindly request that you provide me with these documents within 30 days of receiving this letter. If you are unable to provide me with the requested documentation, I ask that you cease all collection activities and remove this debt from my credit report.
Consumer complaint received 2021-10-15
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: Experian Information Solutions Inc. (PR)

To whom this may concern I have contacted XXXX XXXX  XXXX XXXX Multiple times during the span of 3 months. They never advised of an increase of my mortgage loan from XXXX to XXXX $ never got a phone call, or letter. I found this information out when they reported the late payment to my credit bureaus account. I have these payments to be autopaid though the website & I do have extra payments on the account in which they kept telling me I don't have an extra payment. They admitted to fault opened an investigation and never did anything I called again and opened another investigation they said that they have been using those extra payments to cover for the amount needed to complete for the mortgage. I have never missed a payment & they are reporting my account late payment andnit has afected my ability to get a loan, new car & credit cards Today XX/XX/XXXX I spoke again to a different representative to try to get this resolved.
Consumer complaint received 2023-06-26
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. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Figure Technologies, Inc (NM)

Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX FIGURELEND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
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: Experian Information Solutions Inc. (NJ)

In accordance 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 # 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 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 2024-06-02
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these accounts removed immediately!!