davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (IL)

This XXXX collection was sent to like XXXX different collection agency everyone sent me a letter to let me know I replied with police report and identity theft information. This agency decided to just put things on my report with out confirming if this debt is valid. That alone is a violation of the fair credit report. For each wrong information on report I am entitled to XXXX $ or what the law allows. They are very unprofessional and this needs to be removed immediately before I escalate this matter further
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

There are two inaccurate and historic accounts listed from the same creditor that is past the statute of limitations for collecting debts in the state of Florida. The last payment made on this account was on XX/XX/year>, and according to Florida state law, the statute of limitations for collecting debts is 5 years this debt is time barred and no longer collectible. Both accounts presence on my credit report is inaccurate and unfairly impacts my credit history. Evidence to support my claim is attached. The account numbers are XXXX and XXXX. Both accounts are listed under XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-24
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. (PA)

My name is XXXX XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. 
FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have2 resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts!
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC (MI)

The company still has it listed as a COLLECTIONS when I have a Income with holding order as agreement to payments. This is STATE OF MICHIGAN child support division. This should be a slow pay due to the payments coming in late due to pay dates. This should never be a in FULL COLLECTION status when there is a Income with holding order.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (VA)

I Disputed this account with XXXX and it came back verified. This is not my account so it could not come back as XXXX. I have no knowledge of an account with XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MO)

On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXFalsely reported a claim of debt in the amount of {$190.00} that stated false reporting on my credit profiles which was found to be inaccurate and unlawful.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MO)

IC systems collection account in the amount of {$750.00} and {$1000.00} There is also another one from XXXX XXXX XXXX for the amount of {$1600.00}
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

In XXXX of XXXX, I took out a title loan from XXXX XXXX for about {$5600.00}. From XX/XX/XXXX- XX/XX/XXXX I made about {$2400.00} in payments towards the loan. In XXXX, I experienced I financial hardship and could no longer afford to make payments. Thus, the car was repossessed and sold for about {$2000.00} according to my credit report. All things considered, the balanced owed on my credit report is {$6800.00}. This is more than the original loan amount of {$5600.00} and it seems the sale of the car and the payments made toward the loan are not being properly accounted for. Furthermore, I had personal items in my car worth at least {$1000.00} in my car during the repo. I was never allowed nor notified on how to retrieve my personal belongings. Thus, I believe the value of my personal property should also be accounted for.
Consumer complaint received 2024-01-02
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. (FL)

Pre abritration XXXX XXXX Regarding CFPB Case XXXX XXXX XXXXXXXX Reference Numbers : XXXX, XXXX, XXXX, XXXX. 
Hope this letter finds you well, Thank you for response. I am writing this letter to LVNV Funding LLC ( LVNV ) who currently owns the XXXX accounts XXXX, XXXX, XXXX, XXXX, XXXX was referenced in the inquiry. XXXX out of XXXX accounts were updated and deleted. Account XXXX was not addressed the account needs to be deleted. I also would like to thank you for investigating my fraud claim for identity theft is a serious concern. 


LVNV FUNDING LLC has also failed to arbitrate, and claims were brought in courts regarding Accounts XXXX and XXXX, which encountered a Summons and Complaint in XXXX XXXX XXXX XXXX While XXXX number XXXX was dismissed without pre-justice, based on my claim of your failure to arbitrate, Case number XXXX is still ongoing. These claims should have never been bought against me, this failure to arbitrate not only breaches contractual arrangements but also violates relevant federal law under 9 U.S. Code, Section 4. The situation has resulted in severe XXXX XXXX XXXX XXXX and a substantial XXXX toll. Both court cases were initiated against me in XXXX, impacting my XXXX XXXX birthday and the XXXX season. This is harassment according to FDCPA 15 US code 1692d. All accounts are in violation. 
Respectfully, XXXX XXXX
Consumer complaint received 2018-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


1ST FRANKLIN FINANCI {$1000.00} XX/XX/2013 XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I do not know these people, addresses, Phone and Numbers. I never made any accounts with these companies or have any contracts with them. I'm asking that they all be removed promptly from my credit reports XXXX, XXXX, XXXX, and Experian. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I do not know these people, addresses, Phone and Numbers. I never made any accounts with these companies or have any contracts with them. I'm asking that they all be removed promptly from my credit reports XXXX, Equifax, XXXX, and XXXX. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WASHINGTON FEDERAL BANK (AZ)

This is regarding debit card dispute # XXXX. I opened this dispute with WaFD bank on Thursday XX/XX/XXXX due to a merchant charging my debit card for a cancelled recurring transaction. I explained to WaFD the merchant was not supposed to charge my card for this transaction and it was very urgent I recovered these funds as soon as possible for XXXX  bills. I spent over XXXX  XXXX  on the phone trying to get the XXXX  credit processed or expedited, but WaFD bank had no standardized process to do this. I also sent them confirmation of cancellation from the XXXX  via XXXX  and they have not been able to help. The XXXX   XXXX I spoke to contacted a branch for assistance and informed me I should be getting a call from them to confirm information and get a status update on the credit, which never occurred. 

I went the entire long holiday weekend without access to my funds, and it is now past the XXXX of the month and my account still hasnt been credited. I called again this morning and wasnt able to get to a XXXX over the phone - I could only put a request in to get a callback within XXXX hours. The agent I spoke to today was also unable to assist and informed me I would have to wait until the XXXX business day for the credit to be applied. 

I am behind on my XXXX bills that are very urgent, including my XXXX, due to this situation and no assistance from WaFD. I need this credit applied to my account as soon as possible, as I have provided all necessary information and put in more than enough time to get this done.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

I called chexsystems in XXXX in regards to several errors on my report. Chexsystems had my file mixed up with someone else 's, they had address that I never lived at, names that I never used, several inquiries and and account that I never opened from XXXX XXXX XXXX XXXX, clearly there is some fraud going on.
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I got a vehicle from us auto sales XXXX of 2023 car was caught on fire in XXXX of 2023 my insurance company totaled the vehicle out for XXXX to us auto sales at this time they were closed down out of no were so I was unable to get another car after trading my car to them and paying a deposit now they telling me I still owe thm another XXXX when they car was XXXX and them settling with my insurance company for XXXX now they put it on my credit report and I didn't even have the car a month so im.out of 2 cars my deposit they pay out and they still saying I owe them XXXX still tryna charge me for a car they was paid for this not right please help me.
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (OR)

My Nelnet account number is XXXX have been trying to call Nelnet to understand my new student loan account that was transferred from My Great Lakes and they have not responded. The call wait time states that it is over 2 hours long and eventually I get hung up on. How can anyone expect someone to pay for student loans when they aren't able to ask any questions, get information regarding their loans, and understand how the interest is being accrued? This is unacceptable.
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (MI)

Received an email from Resurgent Capital Services trying to collect on a debt owned by LVNV which purchased debt from Original Creditor. Email received every other day by Resurgent. From XXXX I have XXXX emails from a XXXX, trying to collect this debt that still hasn't been validated or verified by Resurgent.

Resurgent/LNVN viola
tes the, " 7 in 7 '' debt collection rule, which states that the debt collector may not contact you more than seven times within 7 days trying to collect a debt. Harassment tactics.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION (CT)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resbonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2023 XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX consumer credit card by XXXX Bank XXXX XXXX XXXX Bank consumer credit card Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations. 
XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

Tried to get all 3 credit reports and was denied by XXXX because of dispute ongoing. The other 2 said to check back in a year and i didnt receive reports. Im XXXX and want to correct my debts. But found many mistakes on XXXX report thru XXXX   XXXX.please help me to view reports online free.Tried to dispute with XXXX but told dispute not found.
Consumer complaint received 2024-03-24
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. (PA)

On the day of XX/XX/year>, I submitted a complaint, ID number XXXX XXXX about XXXX account XXXX to the CFPB about inaccuracies on my Experian credit report and Experian has taken more then 30 days to respond back to me. The FCRA requires that credit reporting agencies must investigate disputes related to the accuracy of information on a credit report within 30 days of receiving a dispute. This is outlined in Section 611 of the FCRA, Procedures in case of disputed accuracy. On the CFPB site under my account it is still reporting the dispute as being open, so whatever was disputed must be deleted and if Experian says that they sent me a letter stating the dispute was closed tell them to prove it. I want proof that the dispute was closed within 30 days because I didnt receive any letter. If I disputed with the CFPB it must be closed with the CFPB. Also this account has been discharged by the IRS by filing a 1099c form so please remove it from my credit report. The copy of the form is uploaded with the attachments. Thank you.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I am a victim of Identity theft due to the Equifax data breach and the XXXX XXXX data breach. I notified all of the credit reporting companies of this and was met with push back. Equifax stated the information was verified the same day I disputed it. There is no way the accounts were verified same day. What investigation was done?
Consumer complaint received 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc. (KY)

I requested Money lion 's {$500.00} credit builder loan in XXXX. I never received the funds. They were suppose to be in my bank by XX/XX/XXXX. As of XX/XX/XXXX, I still haven't received the money and I am paying on the loan. I have created a ticket with their dedicated team to fix this. I was told to allow 3-5 business days. I allowed XXXX weeks, called and every time its another 3-5 business days.
Consumer complaint received 2023-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

These accounts are reported incorrectly and do not belong to me, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (IL)

I paid the loan in full. Theres a glitch in their system that shows I have a pending payment from XX/XX/2023. That pending payment is preventing the loan account from closing. The loan was paid off on XXXX XXXX and Ive contacted them several times. They claim theres a ticket open with their dedicated team and quoted me 3-5 days for a resolution. Then another 3-5 days, and yet another 3-5 days. A supervisor told me they were going to personally work on this to get the resolution taken care of but thats been three days now. Until I close out that loan, I can not open another one with them and that is my ultimate goal and theyre preventing me from doing that
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (NC)

On XX/XX/XXXX I made a credit card payment of XXXX I noticed that the payment was not being applied to my account in a timely manner and shows my available credit not updated. I called the company and was advised that it should update after XX/XX/XXXX and the agent could not explain why. I want to know exactly why this is ok and acceptable to not report me accurately and fairly as a credit card company. I want this situation rectified immediately and my payments to post in a timely manner. This does not seem to be fair and responsible banking to me!