davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (OK)

I am filing a formal complaint regarding the debt collection practices of LVNV Funding LLC and related entities. On XX/XX/2023, I initiated contact with LVNV Funding LLC by sending a letter to request validation of a debt, verification of ownership, and proof that the debt is indeed mine. I also explicitly requested that LVNV Funding LLC refrain from further collection activities until these verifications were provided. 

Following my initial communication, I received collection notices from various entities, including XXXX XXXX and XXXX XXXX XXXX, which created confusion and uncertainty regarding the legitimate debt collector and the amount owed. On XX/XX/2023, I received an email from XXXX XXXXd, indicating an outstanding debt of {$1600.00} attributed to LVNV Funding LLC, adding to the confusion. 

On XX/XX/2023, I received a collection notice for a different amount, {$2000.00}, with an attached statement from XXXX XXXX that did not provide a clear breakdown of charges or a valid explanation for the amount sought. In the same correspondence, an " account summary '' indicated that LVNV Funding LLC was the purported owner of the debt. This pattern continued when, on XX/XX/2023, I received another collection notice, this time from XXXX XXXX XXXX, also demanding {$2000.00}, with the same account summary and credit card statement, causing further confusion. 

Most recently, on XX/XX/2023, I received an email from XXXX XXXX, once again seeking a payment of {$2000.00}. Throughout this entire process, I have not received the requested contract, statements detailing the balance due for specific charges, proof of debt ownership, or proper validation of the debt in question. 

I am deeply concerned about the irregularities, discrepancies, and apparent violations of the Fair Debt Collection Practices Act ( FDCPA ) that have occurred during this debt collection process, including the failure to provide proper validation of the debt, communication from multiple entities on behalf of LVNV Funding LLC, and the lack of clear, transparent, and detailed account statements explaining the balance being sought. 

I believe that these actions and practices may constitute violations of my rights under the FDCPA and related consumer protection statutes. Therefore, I am filing this complaint to request a thorough investigation into these matters and to seek resolution in accordance with the law. I kindly request that you review the attached documentation and any further details necessary to assess and address these concerns. 

I remain committed to resolving any valid financial obligations I may have, but I insist that all collection activities are conducted within the boundaries of the law and with full transparency.
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (GA)

I first sent out these disputes at the beginning of XX/XX/year>. They never responded so I sent them again in XXXXXXXX XXXX XXXX XXXX then sent me a stall letter but never did an investigation. So at this point, I disputed one more time the XXXX sent me a stall letter but they also never did an investigation. Equifax has yet to respond or do any type of investigation. I just sent letters out again two weeks ago.
Consumer complaint received 2023-12-18
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. (TX)

I filed complaints about false information appearing on my credit report with TransUnion, XXXX, and XXXX. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than sixty days. Copies of every letter sent are attached below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (CT)

Equifax has failed to correct errors on my report and also has failed to keep a security freeze on my report. I have disputed this account and the fraudulent activity and nothing has been done. I submitted a complaint here and they came back and said that the security services account was not reporting on the credit report. Also, I have a credit freeze in place, and unauthorized access was given on multiple occasions. I also provided proof that XXXX XXXX XXXX has an incorrect address proving that fraudulent activity has taken place. Equifax has this collection account listed as a closed account with a date of major delinquency first reported on ( XX/XX/2023 ) but the right to dispute letter which has the wrong address on it says to dispute by ( XX/XX/2023 ) Please remove this account and the XXXX account from my credit report. Fix my security freeze and remove unauthorized inquiries.
Consumer complaint received 2022-12-05
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I reached out to Credit Acceptance in XXXX of XXXX stating the retail installment agreement was invalid as there were many violation per 15 USC. I received a email from XXXX XXXX requesting a call to her to resolve. I later received a letter stating that all of the documents and reasoning I sent as to why the contract was invalid would not be upheld even though the laws stated the violations. No where in the contract does it say I can rescind at all. I then sent a cease and desist and requested to rescind the vehicle, after researching I found that not only was I not given the option to rescind 15 USC 1635 but I was violated as the dealership requested a down payment 15 USC 1638, the amount of {$2800.00} was added to the total but that was also subtracted from the down payment. The down payment took the total to {$32000.00}, how is a down payment added to the total of the car, shouldn't that be deducted if anything? The finance charge was {$11000.00} which should have been the sum of all charges per 15 USC 1605. The transaction was cash and credit which was unlawful per 15 USC 1638. The insurance should have been included in the finance charge. The vehicle was said to been sold for a little over {$8700.00}, leaving me still owing {$6700.00}. Per XXXX XXXX the car was only worth $ {$9500.00} on XX/XX/XXXX of XXXX Credit Acceptance along with XXXX XXXX have violated laws pertaining to this contract/ car transaction.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I placed a Security Freeze on my Lexis Nexis/XXXX XXXX Report back on XX/XX/XXXX. If there is a Security Freeze placed on my consumer report, then Lexis Nexis does not have the authorization to share my consumer report or any information on my report with third parties. On Tuesday, XX/XX/XXXX, I received a credit denial letter from XXXX stating that they obtained information from one or more consumer reporting agencies as part of their consideration of my application. The notification listed LexisNexis Risk Solutions Bureau, LLC and XXXX XXXX XXXX as their sources of reporting agencies. I have attached two documents : Proof that my Lexis Nexis Consumer Report has an ACTIVE SECURITY FREEZE since XX/XX/XXXX and Proof that Lexis Nexis/XXXX were listed as sources of consumer reporting agencies that provided my report under an ACTIVE SECURITY FREEZE.
Consumer complaint received 2023-12-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

My student loan balance was transferred over from greats lakes to NELNET. I applied for the SAVE plan via the XXXX website on XX/XX/23 and noted that the application was marked completed on XX/XX/23. I checked NELNETs website on XX/XX/23 and my application was marked pending. 
On XX/XX/23, NELNETs website noted my SAVE repayment plan application was received on XX/XX/23 and to give them time to review my request. I attempted to call NELNET that Monday XX/XX/XXXX to inquire if additional documentation was needed but I was on hold for over 2 hours and unable to reach a representative. I checked NELNETs website again on XX/XX/23 and noticed that the received application date had changed from XXXX to XX/XX/XXXX ( I have a screenshot on my phone ). Once again I attempted to call someone at NELNET to inquire about the date change but as before, I was on hold for well past an hour and unable to reach anyone. 
I checked NELNETs website again today XX/XX/XXXX and the date of my SAVE application being received has changed again from XX/XX/XXXX to XX/XX/XXXX. 
Why does the date of receiving my application keep changing? Did they actually receive it? 
My repayment plan on their website still say extended repayment, thats the wrong plan all the while my interest keeps accruing. 
Does NELNET need supporting documentation for my application? Why is it so difficult to reach someone at their company? How do they expect me to make payments with such an archaic, inaccurate and unreliable system? I do not trust this agency to handle my student loans let alone access to my bank account.
Consumer complaint received 2024-06-29
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. (IL)

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 15 U.S. Code 1681e ( b ) Accuracy of a Report - 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. These accounts [ XXXXXXXX XXXX  - ACCOUNT # XXXX ], [ U S DEPT OF EDXXXX XXXX ACCOUNT # XXXX ], [ U S DEPT OF EDXXXX - ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate. 

[ U S DEPT OF ED/XXXX XXXX ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Original balance is not being reported correctly, Past Due amount is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate. 

[ U S DEPT OF EDXXXX XXXX ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Original balance is not being reported correctly, Past Due amount is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate.
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to express my extreme frustration and anger regarding the sudden appearance of fraudulent collection accounts and unauthorized inquiries on my credit report. The inclusion of these inaccurate and damaging entries is not only unfounded but also severely tarnishing my financial standing and destroying my creditworthiness. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!!! 
XXXX XXXXXXXX XXXX  INQUIRY DATE XXXX DELETE!!!! 
XXXXXXXX XXXX XXXX  INQUIRY DATE XXXX DELETE!!!! 
XXXX  INQUIRY DATE XXXX DELETE!!!! 
XXXX XXXX XXXX INQUIRY DATE XX/XX/2023 PLEASE DELETE!!!! 
XXXX XXXX XXXX INQUIRY DATE XX/XX/2023 PLEASE DELETE!!!! 
XXXX XXXX XXXX INQUIRY DATE XXXXPLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/2023 PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX INQUIRY DATE XXXXXXXX XXXXETE!!!! 
XXXX XXXX INQUIRY DATE XXXXPLEASE DELETE!!!! XXXX XXXX XXXX  INQUIRY DATE XXXXPLEASE DELETE!!!! 
XXXX XXXX XXXX INQUIRY DATE XXXX DELETE!!!! 
It is utterly distressing to discover such derogatory information on my credit report, especially when my financial history has previously been impeccable. The sudden and unexplained appearance of these fraudulent collection accounts and unauthorized inquiries is not only shocking but also completely unacceptable. 
I demand an immediate and thorough investigation into these matters, and I expect prompt action to rectify these inaccuracies on my credit report. The presence of fraudulent information is not only damaging my creditworthiness but also causing undue distress and frustration. 
I find it incredulous that such damaging entries could be added to my credit report without proper verification and validation. It is your responsibility, as a credit reporting agency, to ensure the accuracy and integrity of the information you report. Your failure to do so is a direct violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (IA)

I filed a complaint against them last month. They are refusing to take a payment from me now making me more behind and now put it on my credit making it seriously drop. I am about to get a lawyer. They are doing thing illegally and when you refuse payment in the state of iowa you just voided the whole loan.
Consumer complaint received 2023-09-21
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. (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.

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 inructions 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 2024-02-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Chime Financial Inc (LA)

On XX/XX/XXXX money was transfer from my accounts to an unauthorized email address for the total amount {$390.00}. Chime online banking is the company I bank with, I noticed the amounts was taken from my account and I called Chime to make a dispute and they denied my claim. I send screenshots from phone how my email was updated by email that wasnt my email. On XX/XX/2024 my direct deposit from my job was deposit and {$570.00} was transfer from an unauthorized email was taken from my account same incident and I made a dispute and it was denied, evidence were provided. I WAS SCAMMED!!!
Consumer complaint received 2023-12-18
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a list of inquiries : 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 2023-12-18
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. (ID)

Dear CFPB, My name is XXXX XXXX XXXX. I have a hard inquiry on my transunion credit report from XX/XX/XXXX. Its a fraudulent inquiry. I did not authorize this to show up on my credit report and did not apply for a cfna account. On XX/XX/XXXX I called XXXX and spoke tXXXX XXXX XXXX  cancled the application and submitted a request to remove the inquiry from my credit reports. After waiting over 3 months, the inquiry is still on my credit report. I have made multiple attempts to dispute this with Transunion and they are refusing to delete this from my credit report.They told me its off of my report and sent me a credit report that shows the inquiry is still on there. Please assist me with getting this hard inquiry removed from my transunion credit report. 

I also have the same XXXX hard inquiry on my XXXX report from XX/XX/XXXX. XXXX has promised to remove the inquiry multiple times. They have already confirmed they recieve the request and its still on my credit report. Please assist me with getting this hard inquiry removed from my XXXXXXXX  credit report. 

Best regards, XXXX
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly review the attached documents. I want the bureau to commence an investigation into these accounts, as I am never tardy, but they are erroneously reporting me as such.
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: EQUIFAX, INC. (TN)

There is a XXXX XXXX account reporting on my consumer reports on both consumer reporting agencies. ( XXXX and Equifax ) I want this account removed because it is an incomplete account and a paid off debt that has been closed since the year 2016. That statute of limitations on debt is 6 years in Tennessee. It has been almost 7 years later. The account is inaccurately reporting on both consumer reporting agencies and pursuant to the Fair Credit Reporting Act of 15 USC 1681e ( b ) Compliance Procedures ( b ) Accuracy of report 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. The account mentioned is incomplete and therefore inaccurate.
Consumer complaint received 2023-09-21
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. (GA)

This account has been in dispute since 2019 we have been going back and forth. As I notice looking at a old report that I will included that is account have been deleted from my report XXXX times or more and keep getting reinserted on my account. I have disputed this account regarding the inaccuracies that was posting. This account is still reporting in accuracies within my account with all three bureaus. 
Have been disputing this account for far to long and it should be removed.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XX/XX/22 CFPB COMPLAINT THIS XXXX XXXX WAS DELETED FROM XXXX BECAUSE OF IT BEING UNVERIFED! BUT SINCE I'VE NOTICED IT ON XXXX AND EQUIFAX REPORTS HOW? THIS IS NOT MY ACCOUNT AND A DIRECT VIOLATION OF MY RIGHTS! LAWS ARE BEING BROKEN HERE EX : 15 1692 ( c ) ( a ) 15 USC 1692 B ( 2 ) I HAVE FILE IDENTITY COMPLAINT WITH FTC DEMAND IMMEDIATE REMOVAL FULLY PREPARED FOR LITIGATION FOR ACCOUNT REPORTING AS XXXX