davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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. (NY)

Consistent with Congressional policy, I have the right to ensure my private information is not shared without my consent. 15 USC 6801. 15 USC 1681 ( b ) ( 2 ) states that " [ i ] n general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' See also P.L 90-321 ( 82 Stat. 146 ). LVNV Funding, LLC ( " LVNV '' ) does not have my consent to furnish this information and they surely do not have my written consent. This lack of consent is confirmed by the attached legal opt-out notice. Moreover, 5 U.S. Code 552a ( a ) ( 4 ) and 5 U.S. Code 552a ( b ) ( 12 ) ( hereinafter the Privacy Act ) protects my right to privacy. Under the Privacy Act, subsection ( a ) ( 4 ), the term records include a consumer report. The disclosure of a consumer report ( a record ) under the Privacy Act can not be furnished without the prior written instruction of the consumer ( the individual to whom it relates ). LVNV does not have my written consent to publicly furnish these records nor can they produce the same as it was never given to them. Additionally, 15 USC 6802 ( b ) ( c ) forbids the disclosure of " nonpublic information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. LVNV never informed me of my right to exercise my nondisclosure option. And per the enclosed notice, I revoked any consent - implied, express, verbal, or non-verbal- to which LVNV may have been relying on is legally revoked indefinitely. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : [ 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 information is inaccurate. Also, 12 CFR 1016.17 states that [ a ] consumer may exercise the right to opt-out at any time. I am opting out of LVNV 's reporting of this account. Accordingly, LVNV has received lawful notice of my opt-out of their reporting of the following account to non-affiliated third parties- such as XXXX, XXXX, and XXXX. Thus, LVNV is not lawfully permitted to continue reporting this account on any of the consumer 's credit reports.
Consumer complaint received 2024-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sunlight Financial LLC (CA)

In XXXX  of XXXX  I received a notice from the loan company that services my XXXX XXXX  advising me my payment was missing. Note : the servicing company changed their address and ALL our account numbers. My payment is set on AUTOPAY through my bank so I updated the address and account number and called ( on XX/XX/XXXX ) and spoke with XXXX who advised me not to worry ; the payment would get to them eventually. She advised she would note the account and no late fees would apply. A week later I received another late notice, I called again and after speaking with a few customer service reps I insisted on a manager. I spoke with XXXX ; this was on XXXX  and again on XX/XX/XXXX. I provided them with Reference # 's Trace ID # 's and proof of payment from my bank. They acknowledge that they received my money/payment but they don't know where the money went or to which account it was applied to. Clearly it was not mine. Meanwhile my sister passed away, I have to travel out of state a week before XXXX for her services and came home with XXXX. Since I had not heard back from XXXX I was confidant the matter was resolved. Imagine my frustration when I received not one but two notices in my mail yesterday ; and yes showing late fees. I am growing weary of this and need help.
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I made a wire transfer from my XXXX account to XXXX XXXX account with Citibank as the intermediary. Due to a typo there was an issue with the wire and it was returned by Citibank with {$40.00} missing. 

I reached out to XXXX who refunded all of my outgoing fees, but said this {$40.00} was an unauthorized fee by another bank. 

I reached out to XXXX, who never saw this wire and, therefore, said they are not a party to this transaction. 

I reached out to Citibank, who absolved themselves of any responsibility because they claimed to be only an " intermediary, '' and I am not their customer. 

After further research with XXXX and XXXX, they both confirmed that Citibank had taken this fee. 

Citibank has essentially stolen this money from me, and I would like it returned with interest. 

Proof of this is included as attachments.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HW Holding, Inc (TX)

I received a notice of collection from a debt collector. I responded via their terms that i did not recognize the debt as mine and requested validation of this debt. They gave no proof that the debt belongs to me and continued to attempt to collect the debt and report it to the credit bureaus. This is bad practice, collections should have been ceased until i was provided proof of debt.
Consumer complaint received 2024-01-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Brett M. Borland, P.C. (GA)

We ended the lease beforeXX/XX/2023. The manager of the XXXX XXXX XXXX XXXX apartments stated she wanted to replace the carpet and vinyl, which was not damaged. She said the insurance on the unit would cover the cost of replacement and there would be no charge billed to my father. I informed her there was no damage. She said she knows. This is what they do for all the units to replace everything. I had applied for several apartments and was denied. One of my applications was held up for approval due to the {$1400.00} bill. I went back to the XXXX XXXX XXXX XXXX, and the manager said, no, there should not be a charge to you. She gave a statement and email confirming {$0.00} charge. She said this was happening to more than one resident. Shortly afterward, we received collection statements from XXXX XXXX XXXX  and the Law Office of Brett M. Borland. P.C. This has negatively affected my father 's credit and prevented him from obtaining senior housing near me. He is a XXXX victim XXXX XXXX XXXX XXXX. Since then, I have tried to speak with the collection agency and law firm. This is my 2nd electronic dispute and I mailed a letter explaining the situation with documentation requesting they remove this from his credit. I contacted the manager at the XXXX at XXXX, and she said she has reached out to correct this matter, but nothing has happened. The insurance company the apartments are using is ripping the seniors off. We are not sure who this insurance company is because the collection letter is coming from the XXXX at XXXX XXXX. The balance on her file is {$0.00}. I am the daughter and power of attorney of the consumer. The power of attorney documents can be sent to authorize me to speak on my father 's behalf. I am running out of options to correct this matter.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 U.S.C. 1692c - ( Communication ) in connection with debt collection Communication - Cease remove accounts from credit reporting any form of communication. 

15 U.S.C. 1692G - Never Received any physical information of Validation of Debt - Requested Original Purchase Agreement - Provide a Proff of claim Never Recieved - Requested All methods of verification I feel Im being violated of my Rights with the accounts listed below # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC (VA)

Debt collector placed collection action on my XXXX credit report. Disputed and requested removal of collection from credit report, but XXXX kept collection action on report based upon debt collector saying debt is valid. Also sent letter to debt collector disputing charge and requesting removal from credit report. Have attached copies of the letter to XXXX and the letter to XXXX. In both letters, I explained that this is an invalid attempt to collect the full rate for XXXX XXXX XXXXXXXX that were covered by my health insurance contract and the contract that the XXXX XXXX  XXXX provider had with my health insurance company as an in-network provider.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (CA)

My debit card linked to my checking account was compromised in XXXX. I got a new credit card & was given a temporary credit but the transaction amount of {$78.00} was deducted again. So I filled another claim, and was given another credit for the same amount. Fast forward to today, the same amount of {$78.00} was deducted.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I lost my wallet on XX/XX/2023 ( end of XXXX ) ( police report filed ) which included XXXX credit cards and IDs, I contacted BestBuy which I have XXXX credit cards with immediately before the purchases to cancel the old card and give me a new card with new numbers, they did what I said and I got the new cards but fraudelent charges still happened even though I had new cards and new numbers. I even got a call from Best Buy fraud department about charges and asked if I approved of them and I told them NO! I've been calling for the past 2 months and I still have a balance and they told me their fraud department takes 2 months to investigate the charges, I have been making the minimum payments and was told I would receive the money back for the monthly payments and the fraud charges ( total balance ) would go away. I called again today and the women told me the fraud investigation finished a while ago ( for a different best buy card ) and she is going to add the charges of {$1600.00} ( fraud ) to the investigation but I thought it was already been investigated 2 months ago! I just figured out they have been lying to me about making the monthly payments and I find that Best Buy Credit Cards are all a scam since every phone call is outsourced and sketchy,
Consumer complaint received 2024-01-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (CT)

In XXXX, 2024 I set up an estate account for my mother 's estate. I was promised ( and signed for ) a higher interest " bump account ''. The interest rate was not calculated correctly and I have been waiting since XXXX for the correct amount to be applied to the estate account. Per the probate court, we should have dispersed the money to the beneficiaries by last Friday, XX/XX/2024. I have been in contact daily with the bank manager and her manager who have been unable to get an amount calculated by their interest department.
Consumer complaint received 2023-04-15
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)

I Am A natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 INQUIRIES LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (TX)

they approve on one of the loans XXXX XXXX, but i wanted the XXXX XXXX  as this vechile with another XXXX  XXXX  was higher, i like if the could XXXX  on XXXX  and not the XXXX  if they could switch, so XXXX  would have a lower rate
Consumer complaint received 2024-04-19
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)

XXXX XXXX XXXXXXXX {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) ( XXXX XXXX - Account # XXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} ) I XXXX XXXX am a victim of Identity Theft. I have experienced tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told " sorry '', we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with XXXX Police Department. I've also mailed in certified letters to XXXX. I received nothing. Im also sure my information was leaked due to the information breach with XXXX. I was instructed to go to XXXX. I was prompted to enter my last name and the last six digits of my social security number, at that point I saw that my information was compromised due to XXXX security breach. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. I've faxed all XXXX bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter Consumer XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Crossing # XXXX, XXXX, IN XXXX. He notice several instances where XXXX are in non-compliance with the FCRA. I'm a victim but yet I'm treated as if I'm nothing. The following accounts are : XXXX XXXX XXXX  XXXX {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) ( XXXX XXXX - Account # XXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} )
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On XXXX XXXX XXXX I made a contribution to my XXXX  account. This contribution was initiated from my USAA checking account for the amount of {$220.00}. The money left my USAA checking account via transfer. The transfer confirmation number is XXXX. As of XX/XX/XXXX, the money is still not in my XXXX account, is withdrawn from my USAA checking account, and is missing. On XX/XX/XXXX, an XXXX representative stated there were no pending incoming transactions from my USAA checking account. She stated she would do some research and " try '' to call me back by the end of business that day. No call was received. She insinuated no transfer was made, or that I had made an error. That same day USAA opened a non merchant deposit dispute case to investigate the current status of these funds. They confirmed the XXXX  account number and confirmed that the transfer had been completed. The case ID is XXXX. On XX/XX/XXXX, I faxed a letter to XXXX  and to USAA detailing the events. On XX/XX/XXXX, USAA confirmed receipt of the fax. That same day I called XXXX again. " XXXX '' stated she would reach out to XXXX XXXX  and call me back in XXXX business hours. No call was received. On XX/XX/XXXX, I called XXXX a third time. " XXXX '' stated XXXX hadn't heard back from XXXX and didn't know when she would hear back because it was a " busy season ''. I asked XXXX to check to see if my fax had been added to my file. She placed me on an extended hold, came back, and said she'd look later and follow up via email. USAA representatives have confirmed the transfer was debited from my account on XX/XX/XXXX and transferred to the correct XXXX  account. XXXX  has not received my money and has not shown a sense of concern or urgency in resolving this matter. Your assistance is also requested in resolving this matter.
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (MA)

I was notified of a hard inquiry to my credit report for a Comenity Bank credit card for Kay XXXX on XX/XX/XXXX that I did not apply for. I have had issues in the past with identity theft and thankfully the card was not approved due to the fraud alert I have placed on my credit report. However, it is still showing as a hard inquiry and I would like that to be removed. 
I called XXXX on XX/XX/XXXX and opened a credit inquiry dispute I called Comenity bank and was transferred to a Kay XXXX representative who made a notation that this inquiry was fraudulent. I have tried to contact Comenity bank directly, but can not get through to a live person because I can not get through the automated prompts without an account number. 

I called XXXX who told me I could only dispute the hard inquiry by filing a complaint with the FTC and then sending them a letter in the mail. 

I just would like this removed
Consumer complaint received 2022-11-08
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. (MI)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, MI XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (TX)

I had a loan with XXXX  and they wrote the loan off when i could not pay it and did not put a negative on my Credit Report. NCB Management Services bought the debt from XXXX and tried to collect from me. The time had expired when XXXX  could put this on my Credit Report, but after attempst to collect, NCB Management then dumped the bad report on my Credit Report last year and has until XXXX to come off. It is illegal for them to put this on my Credit REport and start the debt all over, because XXXX had already written it off and now we start 3 more years. I filed with XXXX but they are useless. I need help to get the faudulent charge offf my credit report.
Consumer complaint received 2024-04-19
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. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed from my Credit Report.
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (DC)

I have XXXX Fraudulent dispute on my credit report, which I have no reckalition of, they are from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE FRAUDULENT. I NEED A REPORT SO I CAN GET THEM REMOVED OFF MY CREDIT..
Consumer complaint received 2024-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TN)

I've attempted on multiple occasions to get customer service on the phone about when my SAVE Plan application will be approved and put into effect. 
Studentaid has already shown my application was reviewed and approved, but Nelnet just continued to sit on it while interest accrues. That's convenient for them