davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Consumer complaint received 2024-06-18
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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental life and credit health. 


XX/XX/XXXX amount : {$520.00} XX/XX/XXXX Amount : {$390.00} XX/XX/XXXX amount : {$390.00} XX/XX/XXXX amount : {$520.00} XX/XX/XXXX amount : {$200.00} XXXX XXXX {$520.00} Public : XX/XX/XXXX, XXXX XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (ND)

I was a victim of identity theft, my information was stolen and used to open a credit card during a time I was incarcerated in prison. I became aware that I was in fact a victim of identity theft after checking my credit report last year, I filed an official complaint and identity theft report with the Federal Trade Commission and placed fraud alerts through all three credit bureaus, I also called the companies that the fraud occurred at telling them what had happened and providing them proof that I was incarcerated during a time when the accounts were opened, and sending them copies of my FTC report in hopes that I could begin to repair my credit. I was successful with removing all fraudulent accounts EXCEPT for Resurgent Receivables LLC. I sent them certified mail several times providing them with evidence that the account did not belong to me and asked them to stop reporting the fraudulent account to the credit bureaus and to remove it from my credit report, but it has continued to tarnish my credit score and remain on my credit report. 

Then just a few months ago I received a " Summons and Complaint '' from a company called XXXX XXXX XXXX XXXX XXXX XXXX representing Resurgent Receivables LLC, I contacted them and spoke to someone who asked me to fax all supporting documents to them in which I did but every time I tried to fax to the number they gave me it would not deliver so I called back again to explain to them the issues I was having but it continued to go to voicemail. I never got a call back and still continue to get a voicemail every time I try calling so than I decided to mail them everything I was trying to fax and I have proof of mailing it to them because it was certified mail. It's been almost a month now since sending them certified mail and I have yet to get a call from anyone and still continue to get voicemail every time I call. I have done everything and anything possible to get this removed and just don't know what to do at this point. I'm extremely upset and frustrated that this is still a battle to remove from my credit report.
Consumer complaint received 2024-01-31
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions (TX)

I contact the company requesting for more information about collection. I tried to call them on several occasion by XX/XX/XXXX just to ask for the reason of the debt and was very frustrating that they dint want to answer in order to avoid and provide me the information requested. Then I sent a letter with the template from CFPB ( XXXX ) on XX/XX/XXXX requesting for more information about the origin of the debt and they failed to provided no any answer. And last thing that make me file this complain is because I received a call from their agents on XX/XX/XXXX saying that they does not communicate by letter and hang me out intimidatingly. and As far I read on the website I have the right to interchange written communication with them. I just wan na know why the property charge me when I was paying monthly and why the method of this company involved only phone call to negotiate the debt leaving me with no right of spoke through letters.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

This account was charged off on the following date. XXXX XXXXSince then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. LVNV FUNDING LLC fraudulently reporting to XXXX that they are the original creditors, and reporting to XXXX they bought the debt from XXXX which is misleading and fraudulently reporting to the credit bureaus these inaccuracies .This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX : LVNV FUNDING LLC Account number XXXX XXXX : LVNV FUNDING LLC Account number XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (WI)

I am writing to file a formal complaint against Check 'n Go regarding their handling of an account on my credit report. Despite my efforts to resolve this matter through the proper channels, Check 'n Go has failed to respond to my requests for debt validation.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Resurgent Capital Services L.P. (OH)

2 accounts with XXXX XXXX XXXX was charged off 1 in XXXX and 1 in XXXX i was garnished XXXX XXXX of my pay check in which i paid {$1100.00} i waited after i paid for it to be removed from my credit reports it hasnt as of today XXXX XXXX  sent to XXXX  and XXXX  i called them today they said it was paid in full they told me to contact lvnv i did lvnv said i owe additional {$1000.00} i then called credit one they said in XXXX charge off was {$85.00} and XXXX the charge off was {$370.00} Lvnv steals customers money XXXX XXXX XXXX  also does the same thing how a {$85.00} balance turn into a {$1100.00} and then a {$370.00} balance turn into a {$1000.00} i want lvnv funding llc to be removed from my credit reports all three i didnt sign a contract with lvnv it was XXXX  XXXX this called me a lot of hardship
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Omni Financial Corp. (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate information that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.
Consumer complaint received 2024-06-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (CA)

I Keep Getting The Run Around On Removing Ex Spouse Name From My Title Deed. My Divorce Was Finalized XXXX  Years Ago. Freedom Mortgage Keeps Playing Games With Taking The Name Off. We Had A Forbearance Loan Of XXXX. California Mortgage Relief Paid This Amount on XX/XX/year>. I've Sent Numerous Copies Of Settlement paperwork to Them
Consumer complaint received 2024-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Reporting late payments as of XXXX, XXXX, XXXX and XX/XX/XXXX but payments were made balanced was cleared XX/XX/XXXX. 

I reached out to the company because payments were auto draft and the advised this would be corrected. 

Made all payments on the account on time.
Consumer complaint received 2024-06-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC. (GA)

Date of Contact : XX/XX/year> Method of Contact : Certified Letter ( Tracking Number : XXXX ) Content of Letter : I detailed my disputes regarding the repossession of my vehicle, including lack of proper notice, breach of the peace, and concerns about the improper sale or disposition. I also requested the cessation of further collection efforts until a thorough investigation was conducted and resolution steps were taken. 
Proof of Delivery : The certified letter was signed for on XX/XX/year> ( Proof of signature attached ). 
Response from Santander Consumer USA : None received to date. 


Date of Contact : XX/XX/year> at XXXX am Method of Contact : Email to XXXX Content of Letter : Recap of my XX/XX/year> communication attached proof of delivery. Requested the above information again. 
Response from Santander Consumer USA : Delivery confirmed ; Email was deleted without being read Date of Contact : XX/XX/year> at XXXX am Method of Contact : Email to XXXX Content of Letter : Recap of my XX/XX/year> communication attached proof of delivery. Requested the above information again. 
Response from Santander Consumer USA : Delivery confirmed ; None received to date.
Consumer complaint received 2024-04-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

We purchased a washing machine from Lowe 's on XX/XX/24 by opening a new Lowe 's credit card account.in order to receive a {$100.00} off discount. I was told the transaction would not be posted to the new account until I received the washer delivery which was delayed until XX/XX/24. Today, XX/XX/24, I received an email stating my Lowe 's credit card payment was past due. I have not received any statements in the mail as of yet. I registered my new account online, set up paperless statements, set up auto-pay and made my first payment on XX/XX/24. When I view my Statements online, it says, " No statements available. When available, you can view and download XXXX  statements from this page. '' Why am I being penalized for missing a payment ( {$30.00} late fee ) when there has not been a statement generated as of yet for this account? Is this not a regulation violation? I have already called and spoken to customer service who admitted on the recorded line that he apologized for the delayed statement and kindly waived my late fee and interest ; however, I want this matter looked into as I feel this is a regulatory violation as I was not provided a due date, minimum amount due or anything reflecting my balance. I also want to ensure my credit bureau report has not been impacted by this.
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Portfolio Recovery has been informed by the CFBP of my dispute to the account that's placed on my credit report which in fact their response was stating their information was accurate information without providing proof of my signature to the fraudulent placement. Portfolio Recovery isn't licensed in my state to collect any debt. This company violated my consumer rights by placing this on my credit report without any notice nor was I given a letter to response within the 30 day time frame. FDCPA 1006.30a no parking of debt Portfolio Recovery was asked to submit their documents and not itemize copies of papers of the spending on the account. I requested proof my signature and the original contract if one was signed. I didn't give any permission 15 U.S.C 1681b to open any account under my name. This collection agency attempts to collect a fraudulent debt. Portfolio Recovery refuse to remove this fraudulent account off my credit report without any investigation into the matter! Under 15 USC 1692g ( b ), you are required to provide me with certain information regarding the alleged debt. The CFPB also alleges that Portfolio Recovery Associates committed numerous violations of the Fair Credit Reporting Act and its implementing Regulation V, which include : Failing to inform consumers about investigation outcomes : On numerous occasions when Portfolio Recovery Associates determined that a consumers dispute was frivolous or irrelevant, it failed to timely inform the consumer about what information would be necessary for Portfolio Recovery Associates to investigate the dispute. 
Failing to timely resolve disputes : On at least tens of thousands of occasions, Portfolio Recovery Associates failed to resolve disputes within the required time. 
Conducting unreasonable investigations : On numerous occasions when a consumer alleged fraud or identify theft, Portfolio Recovery Associates did not conduct a sufficient investigation that considered all necessary information. This is the exact same tactic Portfolio Recovery Associates is doing on my credit report without proof! This company parked a debt on my credit report without any notice!
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (NY)

SANTANDER CONSUMER USA 34 POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. 
Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another len Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I noticed on XX/XX/year> that my USAA debit card was dropped from my XXXX XXXX. I contacted USAA and they told me that my account was flagged for fraud, that an investigation was pending and my account was in a credit only status. I was told that correspondence were sent to my home address, which is not my physical address at the moment. So if something was sent, I never received it. Ive been attempting to get an explanation as to what the status of my account is and why it was placed in a credit only status. An agent from USAA did contact me today with a vague explanation that my account was placed in a credits status and that my funds will be transferred to the state. I will request additional information, but she did not provide it to me. I find this ordeal to be extremely suspicious and I would like an explanation.
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (OH)

this company is reporting fraudulent inaccurate information on my credit report.

I have requested that they prove the purchase agreement to show full ownership of such accounts and also other documents so i may review to see if this is actually an account that belongs to me.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$41000.00} Balance updated XXXX XXXX, XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type XXXX XXXX XXXX XXXX account. {$41000.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Past due amount {$41000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER!!!!!
Consumer complaint received 2024-08-29
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Global Processing Services, LLC (AZ)

I had started paying for an old debt that was undisclosed completely. I was alright until I got into a financial crunch and could not pay them. I also decided to look them up on your cite and found they had been cited by you all for previously charging clients for accounts they did not owe. Thats my main complaint on this company and another company that has been charging and the amount of the money doesnt seem to decrease.