davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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)

Trans Union LLC continually verifies information as accurate When not providing And documentary evidence And support their alleged verification investigation. 

I continually provided Trans Union LLC with the proper procedure steps in regards to blocking of information as a result of Aggravated identity theft. And pursuant to 15 US code 1681 C2, 1681 B2. Navy federal credit Union has also never given any supporting documentary evidence or written. Authorization to Share the consumers nonpublic personal information pursuing 215 United States code 6801. 

XXXX XXXX Continually does not respond to any Cfpb Response instead, passively Since the same response that they're still working on the issue when they are not working on the issue and continually declined to follow procedure and state and federal laws
Consumer complaint received 2024-09-03
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. (GA)

Subject : Dispute Regarding Refusal to Update Personal Information and Denial of Access to Consumer Report Dear Equifax ], I am writing to formally dispute your agencys refusal to update my personal information and denial of my right to access my consumer report, as required under the Fair Credit Reporting Act ( FCRA ). 
Personal Information Update Refusal On [ Date of Request ], I submitted a request to update my personal information on my credit report, including [ list specific information that needed updating, such as current address, name, date of birth, etc. ]. However, despite providing all necessary documentation and verifying my identity as required, my request has been unjustifiably denied. 
Under the FCRA, specifically 15 U.S.C. 1681g ( a ), I am entitled to have accurate information on my credit report. It is crucial that my personal information is correct and up to date to avoid any inaccuracies that could negatively impact my credit standing. 
Denial of Access to Consumer Report Furthermore, on XXXX, I requested a copy of my consumer report to review the information currently reported by your agency. I have been unjustly denied access to my consumer report, which is a violation of my rights under the FCRA. According to 15 U.S.C. 1681g, I am entitled to a free annual copy of my credit report, as well as access to my report whenever inaccuracies or identity theft are suspected.
Consumer complaint received 2023-09-14
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-06-11
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: Resurgent Capital Services L.P. (TX)

Resurgent LVNV This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. Please delete account Resurgent LVNV Account # XXXX for violations of FCRA Section 611 for RE : Insertion of Account with no notice within 5 days of Re : Insertion ; and also Section 623 Resurgent LVNV is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Also per Regulation F 1006.34 never received form B-1, notice of disclosures, prior to inital reporting of account. After multiple RE : Investigations never received request for Account Level Documentation Forward Flow Sale or ownership documents with tracking numbers ; certified return receipts with delivery confirmation signed by me. They have never followed proper procedures, and guidelines of governing bodies. 

Accuracy of Report According to reference statues and laws 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 are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B ) I have included copies of credit reports to show that the accounts have been reinserted. This is a last ditch effort. I have filed multiple complaints with the XXXX, CFPB, and, XXXX, XXXX XXXX and Resurgent LVNV Please reference all credit reports and files attached to complaint as exhibits and evidence of Resurgent LVNV failures to follow FCRA, FDCPA guidelines, regulations, and laws. And timely following procedures, protocols and execution of responsibilities. 
This account first appeared on report dated XX/XX/XXXX with only XXXX as reported account. 
On XX/XX/XXXX report separate Resurgent LVNV account was Re : Inserted to report and XXXX was Re : Inserted Date Opened : Do not match XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date Last Reported : Do not match XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date Last Active : Do not match XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Payment History : Do not match XX/XX/XXXX XXXX Reporting account Charge Off XX/XX/XXXX XXXX XXXX account OK XX/XX/XXXX XXXX no report Payment Status : Do not match XXXX Charged Off ; XXXX Charged Off XXXX Late 120 days Past Due : Past due balance on a charged off account XXXX no data XXXX XXXX XXXX XXXX Account deleted from credit report dated XX/XX/XXXX for XXXX, and XXXX no deletion for XXXX account
Consumer complaint received 2024-06-10
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I purchased an AMEX gift card from my local XXXX. I have been unable to use these cards after buying. 
These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 
I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my four unusable virtual cards to a physical card. They can not offer me a refund. 
They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 
This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 
This is simply not the case. I can not reach a esolution with AMEX customer service nor can the original purchaser. 
have been unable to use their cards for a year. My money is inaccessible. All I want is the total balance on my cards in cash.
Consumer complaint received 2024-06-10
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. (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by LVNV FUNDING LLC, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute Debt** Despite being approached by LVNV FUNDING LLC , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand LVNV FUNDING LLC, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that LVNV FUNDING LLC , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

I REQYESTED XXXX XXXX XXXX XXXX XXXX GIVE ME THIS INFORMATION When debt XXXX contact you about money you may owe, they are required by law to provide you with certain information : The name of the creditor you supposedly owe money to The amount you owe That you have the right to dispute the debt, but if you dont dispute it within 30 days of being contacted, the debt collector can assume it is valid That if you dispute the debt in writing, the debt collector must provide written evidence of the debt
Consumer complaint received 2024-09-08
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. (PA)

On XX/XX/year> it was reported on my credit report by XXXX XXXX XXXX XXXX that I owe XXXX. I would like for XXXXXXXX XXXX XXXX to delete this off my credit because they have no permissible purpose under the 15 U.S.C code 1681b
Consumer complaint received 2024-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

Issue : Missing {$920.00} from escrow and Poor Customer Service. 


# # # # # Background and Timeline of Events # # # On XX/XX/year>, Shellpoint issued an insurance premium disbursement of {$1000.00} to XXXX ( Openly ). This amount was never sent out and was returned to my escrow account in two parts : {$84.00} on XX/XX/year>, and {$920.00} on XX/XX/year>. 
I switched my insurance to XXXX, and on XXXX XXXX an initial {$920.00} was sent out but the check was returned to Shellpoint. A second check was issued on XX/XX/year>, which XXXX cashed successfully ( Check # XXXX ). 
I have not received the refund of {$920.00} that should be credited back to my escrow account. 

# # # # Customer Service Issues # # # # # I have contacted Shellpoints customer service multiple times, but each attempt has resulted in conflicting information and no resolution.

I have been transferred between customer service, the insurance department, and the escrow department repeatedly without any helpful support or clear answers.

This has caused significant frustration and inconvenience as I am unable to get a definitive resolution to my issue. 

# # # # # Attachments # # # # # # I have attached a screenshot of my transaction history, which clearly outlines the transactions and the outstanding amount. 


Conclusion : This situation has caused undue stress and inconvenience. I am requesting the CFPBs assistance in resolving this matter promptly and ensuring that Shellpoint Mortgage Services adheres to fair and transparent practices.

Thank you for your attention to this matter.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc. (MA)

XXXX XXXX Victoria secret, and XXXX have been reporting late payment to the credit bureau. 
In accordance with fair credit reporting act, those creditor has violated my right under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors ayen not treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I am writing to address a concerning issue regarding my credit history. For the past 11 years and 2 months, dating back to XX/XX/year>, I have been a customer of Credit Acceptance. However, I must express dissatisfaction with the services provided by the company. 

The high annual percentage rate ( APR ) imposed by Credit Acceptance has significantly impacted me financially, leading to a considerable loss on my part. Moreover, the vehicle financed through Credit Acceptance has proven to be of poor quality, requiring frequent repairs that have not effectively addressed the underlying issues. 

Given these circumstances, I kindly request either a refund of {$10000.00}, representing the amount owed to me by Credit Acceptance, or the removal of Credit Acceptance from my credit report. I believe that this course of action is necessary to rectify the unjust matters that have arisen from my association with Credit Acceptance. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (OH)

I filed a dispute claim for unauthorized transactions on my account. I received a provisional credit on XX/XX/XXXX in the amount of {$490.00}. Upon reflection of my account I was also supposed to have received an credit in the amount of {$600.00} from the merchant as well on XX/XX/XXXX. As of XX/XX/XXXX I have still failed to receive the {$600.00} credit to my account. My account statement also reflects that the credit was never returned to my account as well. Netspend representatives have failed to comply with policy inregards to the present error and Id like assistance for the retrieval of funds. Also if the merchant returned {$600.00} which was 1 out 3 disputed transactions within the dispute claim how is it that Netspend found no error in the other two transactions if the merchant itself returned a portioned amount?
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Future Judgement Solutions (OR)

I received a voice mail from fjs global saying I was going to be served law suite paperwork by hand delivery if I did not respond to the voice mail. I called them but did not give them any information they said I was being suited for breach of contract on a credit card I never opened this lady told me the amount was XXXX since I started asking questions.. they had two of my addresses and a place I worked at in 2014 but they could not tell me any other info she told me that she didn't have the information I was asking for.. so I told her I would look on my XXXX credit reports I did not see anything she was telling me.. as I was looking for my fraud report I filed with XXXX they hung XXXX 
I have called them back just to get the name of the company and looked it up with the address they have listed .. did reverse look up and the address is found but not the company..
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (IL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX Make of car : XXXX XXXX XXXX To Whom It May Concern : I am writing regarding the above-referenced accounts and transactions. The XXXX dealership repossessed this vehicle in the State of Illinois on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. 
Under the laws of the State of ( Illinois where the car was repossessed ) UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (NV)

Upon moving out of a XXXX apartment complex, I received my final move-out summary and bill. I noticed there was an error on this bill, so I contacted the property. When I advised them of the error, they corrected the error and I paid the new balance that same day. Unfortunately, they still sent the original amount to collections. I have spoken with the collections agency and informed them that not only is the amount incorrect, but the correct amount has already been paid. I sent them the documentation of the original bill, the updated bill, and my payment receipt. They received this documentation and informed me they needed to reach out to the apartment complex and verify that payment was made before they can remove this from my credit report. The apartment complex will not respond to them after multiple attempts to contact them.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Komyatte & Casbon, P.C. (IN)

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 think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I am writing this letter to bring a serious issue to your attention regarding the non-reporting of my paid-off loan by the credit bureaus. 

I had a loan from XXXX, which I have completely paid off as of XX/XX/24 in the amount of {$48000.00}. However, despite making several requests, my credit report does not reflect this crucial information. This non-reporting is adversely affecting my credit score and thereby my capacity to secure future credit.

Under the United States Code Title 15, Section 1681s-2 ( a ) ( 5 ) ( A ), it is stated that a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days ( certified mail tracking number in attachment ) after furnishing the information, notify the agency of the date of delinquency on the account. This implies that it is the duty of the XXXX to inform the credit bureaus about the status of my loan and it is the responsibility of the credit bureaus to update this information promptly and accurately. 

Unfortunately, this has not been the case with my situation. Despite having fulfilled all my financial obligations, the credit bureaus have failed to accurately report this, thus infringing upon my consumer rights as per the Fair Credit Reporting Act ( FCRA ). 

I kindly request the CFPB to intervene in this matter and ensure that the credit bureaus rectify this error promptly. I am attaching copies of the loan settlement documents as evidence of my claim. 

I trust that you will address this issue expeditiously and ensure my rights as a consumer are upheld.
Consumer complaint received 2024-06-12
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: Guild Holdings Company (IL)

Here are the list of companies that pulled my credit with out my permission so I ask that these inquiries be removed immediately List of companies/ inquiries 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 These are not my inquiries