davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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. (CA)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item to be re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX, XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

Since XX/XX/2023, I have been disputing the information on my credit report, as public records as well as a couple of accounts included in bankruptcy were being reported as mine. I have been requesting how they were validating and recording that data on my report. I have sent various letters requesting the removal of these items, but their responses have been crude. Therefore, I am applying for an investigation by the CFPB ( Consumer Financial Protection Bureau )
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MO)

AFFIRM ACCT : XXXX Amount : {$290.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
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: 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 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 2024-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

On XXXX XXXXXXXX XXXX Transworld systems Inc. reported a collection of {$420.00} on my credit that was a supposedly originally from a XXXX XXXX XXXX. I have never had electricity or gas from any company except XXXX XXXX who is not associated with this company at all. Also, XXXX XXXX XXXX was bought out by XXXX XXXX who is owned by reliant over 5 years ago. Again, Ive never had an account with any of these companies. I also never received any written or verbal notice about this and cant find a legitimate way to contact this Transworld Systems Inc. I have already disputed the colleagues with the three major credit bureaus and put an initial fraud alert on my credit. I wanted to report this because there seems to be a fraudulent charge or report either by the power company or the collection agency. Based on what others have stated about the collection company I would guess they are not running the most legitimate claims. I reported in hopes this will be investigated by someone so that it wont happen to someone else.
Consumer complaint received 2024-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (CO)

Hello, I am filing a complaint against Penn Credit Corporation for continuing to attempt to collect a debt I do not owe and willfully disregarding proof that was mailed and received via USPS Certified Mail. 

In XXXX, I received two Notice of Collection letters from Penn Credit Corporation, dated XX/XX/XXXX. These letters demanded payment for the citations listed below and copies are included as Attachment XXXX 

Description, Service Date, Account Number, XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$90.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$110.00} I then responded to Penn Credit Corporation with a letter ( Attachment XXXX ) sent via USPS Certified Mail on XX/XX/XXXX and delivered on XX/XX/XXXX. This letter outlined that I do not owe the debt stated pursuant to the Fair Debt Collection Practices Act, disputed the debt, and requested verification of the debt or a copy of the judgment against me and for it to be mailed to me. I disputed ownership of the debt as I sold the vehicle in XXXX of XXXX. I included a copy of the bill of sale ( Attachment XXXX ) as proof. 

Enclosed in the letter I also included payment for the XXXX delinquent citations dated prior to XX/XX/XXXX : XXXX, balance {$45.00}, dated XXXX ; XXXX, balance {$90.00}, dated XXXX. Payment was made via USPS money order, receipts for which are included in Attachment XXXX The money orders have been cashed according to the USPS money order status lookup at XXXX. This indicates receipt of both the letter and payment, and acceptance of said payment by Penn Credit Corporation. 

Then on XX/XX/XXXX I received XXXX more Statement of Account letters from Penn Credit Corporation ( Attachment XXXX ), stating that I have a balance for the XXXX accounts below : XXXX XXXX XXXXXXXX VA XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$110.00} Penn Credit Corporation received and cashed my previous payment in the amount of {$45.00} for XXXX, balance {$45.00}, dated XXXX. Yet they continue to harass me for this amount. They also continue to harass me for XXXX, balance {$45.00}, dated XXXX and XXXX, balance {$110.00}, dated XXXX despite me having provided ample proof that the debt is not mine and declining to provide me with any verification of said debt after I provided a bill of sale showing that the vehicle was no longer under my ownership. 

I am filing a complaint with the CFPB to request an immediate stop to these illegal attempts at collecting a debt I do not owe. A satisfactory resolution would include Penn Credit Corporation clearing my account of all invalid debts as described above and ceasing all contact with me.
Consumer complaint received 2024-06-13
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: SANTANDER HOLDINGS USA, INC. (GA)

HARD INQUIRIES SHOWING ON CREDIT REPORTS THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, I regret to inform you that upon reviewing my credit report, I have discovered numerous inaccuracies that have been reported by your organization. These errors pertain to various personal identifiers, the presence of which may potentially result in identity theft or other grave repercussions if left unaddressed. It is utterly deplorable that such errors have occurred in my credit report, and I demand immediate rectification of all inaccuracies in your records. I can not emphasize sufficiently the importance of updating my personal information with utmost precision to prevent any additional detriment to my financial well-being.According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now Listed below are the Personal Information that are being challenged Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

My 5 Federal student loans were forgiven in FULL effective XX/XX/year> ( according to their email, which I have attached ), however Nelnet ( my processor ) continues to actively report a past due balance on my credit report for each loan, which is negatively impacting me financially.
Consumer complaint received 2024-06-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rickart Collection Systems, Inc. (DE)

I am writing to file a complaint against your company for violations of the Fair Debt Collection Practices Act and Privacy Act of 1974. Your company has violated the Fair Debt Collection Practices Act ( " FDCPA '' ) through actions such as intruding on my privacy, making contact without explicit consent, employing deceptive measures in debt collection attempts, employing offensive language in correspondence dated XX/XX/XXXX2024, asserting that I owe an alleged debt, and inaccurately implying that any transfer of debt interest could expose the consumer to practices prohibited by the Fair Debt Collection Practices Act. Furthermore, I allege that your company violated The Privacy Act of 1974 as amended 5 USC 552a by obtaining and disclosing my personal information without prior consent. 

Due to your company 's non-compliance with the Fair Debt Collection Practices Act, I am entitled to seek damages and other appropriate remedies. I hereby demand all copies of all documentation, notices, and communications relating to the account involving XXXX XXXX and Rickart Collection Systems, including the forward flow agreement and purchase agreement. It is imperative that your company undertakes a thorough investigation into this issue and furnish me with a detailed written response outlining your position, proposed remedial steps to address this situation, and settling the attached invoice to prevent legal actions. 

Should your company neglect to respond to this notice and settle the attached invoice within 15 days, I will be compelled to commence legal proceedings to uphold my rights under the law. Thank you for your attention to this matter.
Consumer complaint received 2024-06-13
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: General Motors Financial Company, Inc. (GA)

HARD INQUIRIES SHOWING ON XXXX THAT NEED TO BE REMOVED : GM FINANCIAL XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX HARD INQUIRIES SHOWING ON XXXX THAT NEED TO BE REMOVED : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX ON XXXX THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I started getting the calls in XXXX of 2023, I sent letters to verify the dept. Show me my original contract with my signature and the card agreement. Also the proof that you have the right to sue for the dept. All they did was send me court papers with a copies of one of my credit card bills. I asked again, I have yet to get any reply.

I sent a letter to cease contacting me at my home and job XX/XX/year>2023. From that time to now, the call me 6 or 7 times a day. And 6 or 7 times at my Job. My Boss has gotten on the phone several times and ask them not to call, nicely and not so nice and that this is a business. That stopped nothing. 
They call every day except Sunday. Its been going on for 2 years now and my Job is not being understanding anymore. This week alone I have 30 and its just Thursday. I can only imagine how many the shop is getting. I'm really starting to get in fear of loosing my job if this doesn't stop.

I've seen this on t.v. but I never thought it would be happening to me.

I appreciate anything you can do to help. 
Thank you so much XXXX XXXX
Consumer complaint received 2024-06-18
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: Bread Financial Holdings, Inc. (MS)

On XXXX XXXX I checked my credit report on XXXX & I notice XXXX hard inquiries from XXXX companies from XXXXXXXX XXXX Im unaware of, I didnt make any payments or purchases & unawares
Consumer complaint received 2024-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

On XX/XX/year>, I noticed several emails from Nelnet.gov, regarding missed payments for a student loan. I am not currently a student and have verified by calling Nelnet, that there are no student loans on file with my SSN, and that it was likely a typo, or someone using my email to make an account. 

I was initially concerned with this being identify theft, but I do not have any student loans in my name to my knowledge. I checked with student aid.gov as well, there are no student loans in my name. I suspect this is a clerical error, or someone used my email while making an account.
Consumer complaint received 2024-06-14
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: WELLS FARGO & COMPANY (SC)

" 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.

Please see attached file for these items I am complaining.. 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 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

I am writing to file a formal complaint against American Express for misleading communication and unfair customer treatment regarding the eligibility of a welcome bonus for the American Express XXXX XXXX XXXX. Below is a detailed history of my experience : XXXX. In XXXX, I applied for American Express XXXX XXXX XXXX. At no point during the application was I informed of any restrictions or conditions that would render me ineligible for the welcome bonus. 

XXXX. After submitting the Application, the Application remained pending, therefore, I called the number displayed on the screen.

3. During the call, I was trying to ask why the Application is pending, and as we speak, the Application is approved. 

XXXX. After Approval, I remained on the call, and asked the representative from American Express to check the Welcome Bonus. 

XXXX. It was communicated to me that the Welcome Bonus is {$10000.00} USD spent to receive XXXX Membership Rewards Points within 3 months of card opening. 

XXXX. In late XXXX, I called American Express Customer Service again, to check how's my progression the Welcome Bonus. And I was notified that the Welcome Bonus is not available to me. 

XXXX. I immediately escalated the case, and the representative created an internal investigation to request the previous phone call. And I was asked to wait for XXXX weeks to call back to check the investigation. 

XXXX. In XXXX, I called American Express Customer Service again to see if the investigation is finished. And, yes, the investigation has finished, but the conclusion is that I am still not eligible for the Welcome Bonus despite the fact that American Express was able to confirm that the first Representative did say that the welcome bonus is {$10000.00} USD spent to receive XXXX Membership Rewards Points within 3 months of card opening. 

XXXX. In the same phone call, I kept escalating. After XXXX rounds of escalation, the supervisor is only able to issue a {$50.00} USD statement credit to my account to compensate for the miscommunication, which is not comparable to the Welcome Bonus that I was communicated with. 
-- -- -- -- -- -- -- -- -- -- -- -- - This series of events highlights a clear case of miscommunication and misrepresentation by American Express. As a long-standing customer, I find this treatment to be unacceptable and detrimental. I seek a full investigation into this matter and appropriate remedial action. 

As a customer, I was tricked, scammed and wrongly communicated. Yet, I, as the customer of American Express, is bearing all the consequence.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CT)

On XX/XX/year> I never opened up an account with XXXX  XXXX XXXX  .. On XX/XX/year> I never opened up an account with XXXX Bank These accounts was fraudulently opened and sold too XXXX XXXX Which is also fraud
Consumer complaint received 2024-06-14
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: Nelnet, 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 on my DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX. 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 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I am writing to remove two fraudulent tradelines on my credit file by LVNV FUNDING LLC. Furthermore, I am begging this consumer agency to enforce this by helping me remove these fraudulent and blemished collections accounts from my credit file. I have disputed the following data on my credit file more than a few times, which is fraudulent. I spoke to someone at LVNV FUNDING LLC, and the young lady said you people never pay your bills. You people? This is beyond XXXX. I have disputed these illegal debts several times and once I dispute the debt, the debt collector must stop all debt collection activities until they provide me with proof that I owe the debt, which I do not since it is fraudulent. LVNV FUNDING LLC, must provide me with that proof and never bother me again. Under the FDCPA, I have the right to dispute the debt and it has three separate components : 1-Right to notice of the debt 2- Right to contest the debt 3-Right to verify the debt Within 5 DAYS of first contacting the Consumer Financial Protection Bureau, LVNV FUNDING LLC , must send a letter telling me : the amount of the debt the name of the creditor information about what I can do if I think there has been a mistake and proof. I can prove it is identity theft. The debt collector must stop all debt collection activities until it can verify the debt. Additionally, I have my original identity theft affidavit. The recurring patterns of complaints against LVNV FUNDING LLC, as reflected in the XXXX XXXX XXXX complaints, are as follows : Denial of Debt : The denial of liability for the debt assigned to LVNV FUNDING LLC, continues to be a consistent complaint across all customers. I do not owe this debt and have no contractual relationship with LVNV FUNDING LLC, Lack of Original Contract : Customers consistently complain that LVNV FUNDING LLC did not provide me with the original contract that I requested. This contract would confirm the claimed debt. Unfamiliarity with the Company : I am not familiar with LVNV FUNDING LLC or the original debtor. I have never been contacted. Inappropriate Reporting : A complaint suggests that LVNV FUNDING LLCs reporting of the debt to credit bureaus might be violating the Fair Credit Reporting Act. This indicates potential issues with their reporting practices. Claims of Identity Theft : This is identity theft. It points to potential issues with verifying my identity. Unsatisfactory Product/Service : These complaints fall under the complaint type " Problems with Product/Service '', which indicates a more general issue with the way LVNV FUNDING LLC manages its debt collection process or communicates with its customers.