davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
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. (SD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CO)

My identity has been stolen. Among opening credit cards, applying for loans, and much more, the thief has created an online account with Experian. The thief used my personal information ( name, DOB, SNN, etc ) but their login information ( username, email address, security questions ). This has made it extremely difficult to get my credit report from Experian. 

I called Experian on XX/XX/2018 to explain the issue with the fraudulent account. I requested that the fraudulent account be closed immediately. I also requested that I open a new account with my information, thus prohibiting future fraudulent accounts. I also purchased the premium membership for this new account. I asked the representative multiple times to confirm that she was not merging the fraudulent account with my email address, and instead closing the fraudulent account and opening a completely new one. 

After getting off the phone with the representative I received emails from Experian regarding my online account / membership. Instead of receiving new account information ( like how to set up my password ) I received account update information. The fraudulent account was not closed. The fraudulent account was updated for my email address. I am unable to get into this account because I do not have the login information and do not know the answers to the security questions. I called Experian back immediately and the representative said that the changes would not be in affect for 24 hours. It has now been 48 hours and I am still locked out of this fraudulent account and still have not received information on setting up my new account. The thief is still able to access the fraudulent account and is now able to see my paid membership information and email address.
Consumer complaint received 2024-01-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc. (GA)

I have never owned an account or signed a contract with this company for any services. I am requesting a copy of any original contract of an agreement entered into between myself and Unifin XXXX Inc., with my original signature on the original contract.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I received a call from ( XXXX ) XXXX. The rep claimed to be attempting to collect a debt for XXXX XXXX. She gave me the information that the account was opened in XXXX 

The statute of limitations of debt in Texas is four years, which means thats how much time a debt collector has to file a lawsuit to recover the debt. Debt buyers must provide written notice if they are taking action past the limitations period. They may continue to call, but they cant actually take you to court after four years. 

This is NOT my debt. This call is a SCAM.
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

I fell on financial harship they closed my account, then it was opened up again. Now they said I told them to close it and I got the behind payments caught up and tried XXXX time to get it open. Now, I am going through you guys to get my card opened back up again. Usaa has not been veteran friendly, if you fall on financial hardship. I told them what was going on numerous times and it still didnt help me out.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-01-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX, I requested validation of account being reported to the credit bureaus by Resurgent Capital Services which is a debt buyer. The account is being reported as a collection however, I do not remember ever receiving any information regarding this account. I requested a full accounting of the account including a breakdown of the transactions dating back to the origination of the debt, a copy of the assignment or purchase agreement that shows that Resurgent Capital Services is legally allowed to collect on behalf of XXXX XXXXXXXX XXXX a complete chain of assignment from the original creditor and clear proof that Resurgent Capital Services owns the debt and was a party to the original contract with the creditor and is licensed and bonded to collect debts in my state. I received a letter in XXXX dated XX/XX/XXXX with Resurgent 's response saying there wasn't an issue with the way the account was being reported. The also sent a copy of an abstract of judgment. 

I firmly believe my rights as a consumer is being violated and the reasons are as follows : 1 ) The address on the paperwork sent to me from Resurgent Capital Services shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I have never resided at this address and therefore, I was never properly notified of a lawsuit or had the ability to defend myself about these false debt allegations. 

2 ) According to the paperwork, the judgment was entered on XX/XX/XXXX however, I have lived in XXXX  and not resided in the state of XXXX XXXX XX/XX/XXXX. Again, there is no way I was notified of a lawsuit or given an opportunity to answer it. 

3 ) The account is being reported to the credit bureaus by Resurgent/LVNV Funding however, the information was Abstract of Judgement was provided by XXXX XXXX XXXX XXXX XXXX. Who is this company? What is their connection with Resurgent Capital Services and XXXX XXXX Bank? 

4 ) The account number on the letter received from Resurgent Capital Services does not match the account number being reported to the credit bureaus. Just based on this information alone, there is no way Resurgent Capital Services or LVNV Funding can honestly say this account is being reported with 100 % accuracy.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number- XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Consumer complaint received 2023-10-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (KS)

I obtained a loan with cashnetusa. XX/XX/XXXX. XXXX was delinquent. Loan PAID IN FULL XX/XX/XXXX. XXXX has refused to remove item from credit report. Claims debt was sold to XXXX party. Listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX contacted : XXXX XXXX XXXX. Claims no knowledge of debt. 

XXXX has filed collection on crefit reports with XXXX and XXXX. After several complaint filed with both agencies, XXXX claims they are original holder of debt. XXXX and XXXX refuse to remove item from credit. Recently reported as XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2024-01-27
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (MO)

I am writing to address a matter of concern regarding the frequency of phone calls I have been receiving from OneMain Financial. While I understand the importance of communication, I believe the number of calls I have received recently is excessive and has become disruptive to my daily activities. 

Since XX/XX/2024 I have received 17 calls. Per The Fair Debt Collection Practices Act FDCPA Placing a telephone call includes telephone calls that the debt collector makes and that go into voicemail. In addition, The Debt Collection Rule is presumed to violate the law if they place a telephone call to you about a particular debt more than seven times within a seven-day period. 

XX/XX/2024 Saturday - XXXX XX/XX/2024 Friday - XXXX, XXXX, XXXX, XXXX XX/XX/2024 Thursday- XXXX, XXXX, XXXX XX/XX/2024 Wednesday- XXXX, XXXX, XXXX, XXXX XX/XX/2024 Tuesday- XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Monday- XXXX, XXXX Also, XXXX texted me on XX/XX/XXXX and stated I need to have a payment of XXXX which is a half payment. I responded that I could gather as much as I could by XX/XX/2024. She responded that it has to be the full XXXX or she won't be able to process the payment. I responded. It is not XX/XX/XXXX and I have received 17 calls in regards to this matter. My account is notated that I am facing financial hardship and I am still harassed in regards to my payment. 

When I speak to the staff at One Main you speak to the initial person who calls you, then they transfer you over to a " branch manager '' who then does not know why you are transferred over so you have to explain your financial hardship over and over. I feel humiliated and embarrassed every time I have to explain my situation. Before this hardship I made it on time payments and had a stable income. I worked for 8 years with one employer. 
I've also seen that complaint # XXXX experienced a similar issue of frequent calls and being transferred over to a branch manager. 
The staff is polite when you speak with someone. If you do not take their call they will call you repeatedly.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over XXXX  days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX Please remove it from my credit report. 

XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number-XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number-XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXXXXXX XXXX  XXXX Account number- XXXX 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. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Consumer complaint received 2024-03-20
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : 1. Account name- XXXX Account number- XXXX 2. Account name- XXXX XXXX Account number- XXXX 3. Account name- XXXX Account number- XXXX 4. Account name- XXXX Account number- XXXX 5. Account name- XXXX Account number- XXXX Please remove it from my credit report. 

6. Account name- XXXX Account number- XXXX 7. Account name- XXXX XXXX XXXX Account number- XXXX 8. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX 10. Account name- XXXX Account number- XXXX  11. Account name- XXXX  Account number- XXXX  12. Account name- XXXX XXXX Account number-XXXX 13. Account name- XXXX XXXX Account number- XXXX 14. Account name- XXXX XXXX XXXX Account number- XXXX 15. Account name- XXXX XXXX Account number- XXXX 16. Account name- XXXX XXXX Account number- XXXX 17. Account name- XXXX XXXX XXXX Account number- XXXX 18. Account name- XXXX XXXX XXXX Account number- XXXX XXXX 19. Account name- XXXX XXXX XXXX Account number- XXXX 20. Account name- XXXX XXXX XXXX Account number- XXXX 21. Account name- XXXX XXXX XXXX Account number-XXXX  22. Account name- XXXX XXXX Account number- XXXX 23. Account name- XXXX XXXX  XXXX Account number- XXXX 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. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Consumer complaint received 2020-07-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CT)

Totaled a car in XXXX. Loan was paid by insurance company, the remainder of the balance to be paid by gap insurance company. Td auto refused to work with gap insurance company, taking months to mail documents, which to this day have not been mailed. Ive called and complained many many times and never received any mail or call backs. Td auto put on my credit report late payments and charge offs for the entire time they refused to work with the gap insurance company and will not return their calls or my calls. I want charge off and late payment off my credit report as the account is paid in full since XXXX of last year. After calling and being told Id receive call backs, Ive heard nothing as usual from td auto. They will not mail pay off letter even though Ive requested it 3 times. All customer notes in their system will show how many times Ive called them and begged for customer support to help and send over documents to gap insurance with no response. Last phone call I was hung up on after asking for a supervisor