davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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: Mercedes Benz Financial Services (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-06-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgence Legal Group, PC (CA)

On XXXX XXXX, 2023, an account representative from Resurgence Legal Group , PC, sent me an email with court documents that were for another customer of theirs. When I inquired about this email and document I was told to disregard and delete said email. Personal information regarding this other persons debt was released to me.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2018-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I HAVE A MORTGAGE ACCOUNT WITH XXXX XXXX FOR MANY YEARS & THEY'VE BEEN SENDING ME HARRASSMENT LETTERS ABOUT MY MONTHLY PAYMENT BEING BEHIND. ACCORDING TO MY RECORDS I DO HAVE HAZARD INSURANCE WITH SAME COMPANY FOR SEVERAL YEARS NOW. THEY SENT ME A ESCROW ANALYSIS ON XXXX & THEY ADDED THEIR OWN HAZARD/FIRE INSURANCE FOR THE AMOUNT OR {$4300.00} PER YEAR, SO MY MONTHLY PAYMENT WAS RISED FOR {$500.00} MORE THAN MY REGULAR SCHEDULED PAYMENT OF {$1200.00} TO {$1700.00} BECAUSE THEY SAID MY ACCOUNT IS SHORT. THEY ASKED ME BACK IN XXXX TO SEND COPY OF MY HAZARD POLICY AND I DID SENT IT QUICKLY SO THEY COULD ADJUST MY MONTHLY PAYMENT. I HAVE BEEN CALLING THEM FOR ABOUT 4 MONTHS NOW AND THEY SAID THAT MY PAYMENT IS CORRECT THAT THEY ARE KEEPING MY MONTHLY PAYMENT FOR {$1700.00} AND HAVE I'VE CALLED & BEEN TRANSFERRED TO DIFFERENT DEPTS. EACH TIME I CALL. NOW I OWE XXXX & XXXX AND THEY SENT ME A FORECLOSURE LETTER. I HAVE RECORDS THAT MY INSURANCE IS ONLY {$800.00} PER YEAR WITH XXXX AND ALSO HAVE RECORDS THAT IT WAS RENEWED BACK IN XX/XX/2017 AND US BANK MADE THE PAYMENT.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX XXXX Balance : {$5300.00}
Consumer complaint received 2024-05-24
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: SYNCHRONY FINANCIAL (PA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-01-08
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. (AZ)

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.

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 2024-01-08
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. (SC)

I attended a work event in XXXX of XXXX  where our purses and wallets were stolen by hired event staff. Police reports were made. I begin to monitor my credit report in XX/XX/XXXX, and I have noticed accounts being reported to my report that I have no affiliation with or knowledge of. I began to research the creditors. I contacted the CRA ( XXXX, Transunion, XXXX ) requesting that these accounts be verified in XXXX. After 2 correspondences via mail and phone, non-verifiable accounts are still being reported to my credit profile. Furnishing this information to profile is in violation of 15 USC 1681B. Not once have I given any written permission or consent for these accounts to be reported to my profile nor did I have any knowledge of them. These accounts with creditors listed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I have never had any accounts with. Furthermore furnishing accounts to my profile resulting from identity theft violates 15 USC 1681 C-2. These accounts are affecting my credit preventing me from accessing any new lines of credit.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Bridge IT, Inc. (FL)

My account was unknowingly closed on XX/XX/2024, one day after I filed a XXXX complaint against the compony of question, Brigit Inc. Prior to this date I had reached out to Brigit several times on how I can withdraw my savings from the credit builder savings account I still had active with them. Unbeknownst to me the bank connected to this account was under investigation and I was unable to withdraw them through this bank even though prior to that I was automatically depositing funds every week from my paycheck. When I lost my job earlier this year is when I tried to withdraw my funds on several occasions and was told by Brigit I would lose them if I could not connect to the initial bank account. Well that didn't seem right because this is my hard earned money and the app even had an option to change banks to withdraw funds. That's when I filed a complaint with the XXXX  and my account was closed instead of responding to the complaint. I tried reaching the company Brigit again to ask why it was closed but to date I have not received a response.
Consumer complaint received 2024-05-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC. (CA)

I know that reading my credit report that you say i have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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, has violated my rights. 

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 an 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 1681-s2 ( 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 2024-05-24
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: Westlake Services, LLC (TX)

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is NOWCOM/WESTLAKE FINANC Date of Inquiry XXXX. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, 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. (IL)

Remove these unauthorized inquiries off from my credit report. I did not initiated this and they have to remove this according to the FCRA 605B!
Consumer complaint received 2024-01-08
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 believe that my information is being misused and reported as inaccurate and I am filing this complaint to TRANSUNION. In my credit report from XX/XX/, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Yes around XX/XX/2023 I found some accounts on my credit files that I didn't open or authorize anyone to open these accounts .fraudulent accounts I contacted the company 's couldn't get information cause I don't have account information. Reported to all credit bureau. They did nothing just updated accounts as they were mine they are not accounts that I opened I want them remove immediately..I filed identity theft Affidavit sent in to all credit bureaus along with identification and credit reports showing fraudulent accounts they have not done anything to block or remove these accounts I want them removed
Consumer complaint received 2024-05-23
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: WELLS FARGO & COMPANY (TX)

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is WELLS FARGO DEALER Date of Inquiry XXXX. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.
Consumer complaint received 2023-07-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am very disappointed with these credit bureaus, XXXX, XXXX, and Transunion. I sent them dispute letters for several times concerning the inaccurate information on my credit report. However, XXXX, XXXX, and Transunion have ignored my previous request and failed to maintain reasonable procedures in their procedures to assure the maximum possible accuracy in the credit reports they publish. I never received a response nor investigated the inaccuracy on my credit report
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/year> RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXXXXXX, SC XXXX Dear Sir/Madam, I am writing to dispute owing any and all debts to RESURGENT/LVNV FUNDING. I am requesting debt validation. I am requesting the purchase agreement between RESURGENT/LVNV FUNDING and the original creditor XXXX XXXX. I am requesting proof that RESURGENT/LVNV FUNDING Is licensed and bonded. 

I dispute this debt for the following reasons : 1. Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report. 
2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 
4. Collection agency has no authority to furnish any account to a consumer reporting agencies without any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am revoking all rights of RESURGENT/LVNV FUNDING communicating with me through email/text/calls. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On or about XX/XX/2023 I submitted a chargeback request to my bank for items I had on an invoice on XXXX from the year XXXX. The bank told me that they would only give me {$1500.00} back of the {$5400.00} stating that it was out of their timeframe for XXXX. The seller did not send me my items and XXXX is aware. The office of the CEO assured me that they would help me. They did not. They regurgitated information from their fraud department and did nothing to protect me from the seller. The seller live in XXXX. So I am not able to sue them in the American courts.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

During the pandemic I was laid off. I contacted XXXX XXXX in which I have auto contract with and requested accommodation due to the pandemic. I explained that I was laid off and I was assured that my account would not be placed in any default status. I recently pulled a copy of my credit report in XXXX and noticed a series of late payment posted during the pandemic dates. I contacted XXXX XXXX and the CRA 's in XXXX to get this rectified and was assured the late payments occurred due to an automated billing error and would be removed. Furnishing the late payments to my account is in violation of 15 USC 1681 S-2 ( F ), as those periods were covered during the CARES Act. Furnishing those payments to my account as it stated as a billing error, further violates 15 USC 1666B. 
Posting those inaccurate late payments to my account are affecting my payment history and ability to obtain credit.
Consumer complaint received 2024-04-04
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX CARD XXXXXXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Over the past year I have compained to both XXXX XXXX and Transunion about the attached account, where as XXXX XXXX is impoperly reporting late payments and payment status. I have tried everything to get them to fix this error. Both point the finger at the other, My last letter was sent to transunion on XX/XX/XXXX with not response,, see attached. 

The account listed above 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 an 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 XXXX 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 2024-05-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (DC)

Please excuse any typos as this is voice texting. Synchrony reduced my credit line for XXXX XXXX, and didnt give me a letter or anything. I just noticed it on the website as I went to pay a bill and just found out recently when I went to pay a bill again that my Lowes credit card was canceled and it was paid on time I owed nothing but XXXX XXXX  on my account, the reasoning was my credit worthiness and Ive had this card for a few months already proven that Im paying my bill on time. Do I have debt? I have debt like any other American I pay mortgage. I pay credit card debt. I pay condo fee. I pay hospital bills and struggle to pay bills by God am I doing it? Yes, I am doing it. I called them and they said oh yeah we just closed it today. You should be getting a letter in the mail. There has got to be something illegal about these practices. Why approve me for the credit card and then just close it after seeing that I paid it on time on youre judging me on my credit worthiness, But the bill is getting paid. Someone needs to make it make sense to me. Synchrony business practices are unethical and if you look at their XXXX page, Im not the only one that theyve done this to.
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC has called on multiple attempts, asking for a balance. I have no acknowledgment of from a former credit card company that I was told that already disappeared. This is wrong behavior and no proper bussiness.