davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (WV)

I've tried numerous times for this company to quit using my credit as they please, they refuse and actually is against the law under chapter USC 15 they are reporting without my permission!! This company is ridiculous to deal with and I WONT recommend this company to anyone!!! I'm so tired of this company reporting my credit as they please every single month! It's sad that this company isn't understanding AT ALL especially when you have recently went through a break up and have been going through a financial hardship and trying my hardest to get back on my feet but I guess unless XXXX is involved they could careless!!!!! I want my account marked as positive and paid as agreed! I'm really trying my hardest but the economics and relationship made it hard! I hope they would find it in there XXXX but I doubt that with this company!!!!!
Consumer complaint received 2017-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (PR)

To whom it May concern : In my credit history I report an account that I do not belong to Credit Collection services # XXXX collecting a balance of {$490.00} from XXXX XXXX XXXX - XXXX which does not belong to me and I have never lived in the United States.
Consumer complaint received 2024-05-22
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: Avant Holding Company, Inc. (FL)

I'm getting tired of this. My credit card company got paid originally twice by me on XXXX. They returned the OVERPAYMENT with a check and AFTER that they AGAIN charged me. They are lying by saying they paid me XXXX times by paper check. In the end NOTHING was resolved. They got paid {$78.00} twice which is {$150.00}. l asked them to refund the second payment. They sent me a check. So the remaining {$78.00} was my payment l made on XXXX. Once they sent me the check that should have resolved everything but instead they AGAIN charged me {$78.00}. They took back the refund they gave me!! How is this resolving anything?? I ended up paying {$150.00} when all l owed was {$78.00}!!! They are getting away with this!!! They are lying!! They got paid TWICE they refunded me ONCE with XXXX paycheck. Then charged me {$78.00} again. So on XXXX I AGAIN paid them {$78.00} because they refused to fix this even though I kept explaining to them that I ALREADY paid them on XXXX.
Consumer complaint received 2024-01-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite your assurance to send a response to my disputes, it has been an unacceptably long time since I submitted my concerns, and I have received no information or updates regarding the investigation. Your bureau 's failure to provide efficient services and a timely response is not only unprofessional but also a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). It is disheartening to note that your bureau appears to be merely responding to letters without conducting a thorough and diligent investigation. I expected a more responsible and proactive approach from an organization of your stature. The disputed account in question is a result of fraud, and I demand its immediate removal from my credit report. 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!! 
I insist that your bureau takes immediate and meaningful action to rectify this situation. I expect a comprehensive and transparent investigation into my dispute, along with a detailed response outlining the steps taken and the resolution reached.
Consumer complaint received 2024-04-26
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-09
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)

I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite my consistent efforts to report and rectify these unauthorized transactions, the issue persists, causing severe distress and financial hardship. 

I discovered unauthorized transactions on my account, signaling potential fraudulent activity. Since then, I have tirelessly contacted your customer service department on multiple occasions, submitted written requests, and provided all necessary documentation to support the investigation and removal of the fraudulent items. Unfortunately, despite these persistent efforts, the unauthorized transactions continue to adversely impact my account. 

Attached is a detailed timeline of my interactions with your institution, complete with reference numbers and specifics of each attempt made to address this matter. I implore you to thoroughly review this information and take immediate action to rectify the situation. 

The ongoing lack of resolution has left me in a precarious financial situation and emotional distress. As a victim of fraud, I expected a more expedited and efficient response from your institution to safeguard my account and address the unauthorized transactions promptly. 

I urgently request that your institution conducts a thorough investigation into the matter, removes the fraudulent items from my account, and implements measures to prevent any further unauthorized activity. Additionally, I seek clear communication on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and consider legal action to protect my rights as a customer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

My aunt passed away in late XX/XX/year>. I did not live near her, and had no idea who her mortgage was with. It took some time to find out that her mortgage was with SPS. I contacted them and spoke to a representative who said he documented the account. In XXXX I became the Administrator for my aunts estate. Prior to this I could not legally work on her home. I sent the " relationship manager '' the copy of the letter of Administration and didn't hear back. I called and they said they could not talk to me because I was not approved as a third party to release information to. They said they needed a new death certificate. I sent that via email while I was still on hold with the agent. I did not hear anything again. I called back and was told I was still not approved. I contacted my attorney. I sent them a follow up email with my attorneys information as well. In the meantime I put XXXX into the house in order to put it on the market. While a crew was working on the house SPS put a giant sticker on the door saying that the home has been deemed vacant and they were seizing it in three days. I called the number on the sticker which is no longer in service. I called SPS, and the relationship specialist said, " yes, we put the sticker there ''. I said it is not vacant, there are three people there currently working on the house. The sticker was extremely hard to get off, and we replaced it with a no trespassing sticker. In the state of California I wasn't allowed to work on the house until I had received the letter of Administration. We were working as hard, and as fast as possible to get the home on the market. I called SPS again and waited an extremely long time to speak to a supervisor who said she was going to " note on the account that I had given them all necessary documents and that the underwriter should approve me ''. I was drowning in stress, and they would not give me any information. Fast forward, and we put the house on the market, and we accept an offer in less than a week. It is now in escrow, and the title company is able to get a preliminary payoff amount. It was XXXX more than the one my aunt had in her home when she passed. I signed escrow papers, and the title company reached out to get the up to date payoff amount. They now tell the title company that have been not approved as a third party, and will not release it. The title company has higher ups call. SPS says they will mail it to the home. They asked for it be faxed. At this point it had been five days since I had signed the documents. The title company added interest to the payoff amount and wired it to them. I am praying that this accepted by them. This company is the worst. I did everything I was supposed to according to the state of California, but his company doesn't have to play by the rules. I wasted a ton of time and stress dealing with this company. The two people whose names I did write down were XXXX and XXXX.
Consumer complaint received 2024-05-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rocket Mortgage, LLC (IN)

XXXX XXXX the trustee in XXXX, Indiana, was supposed to pay my mortgage from XX/XX/XXXX through XX/XX/XXXX. He did not pay the months of XXXX, XXXX and XXXX of XXXX. He was paid {$2700.00} over the course of 3 years. He made no effort to tell me or rectify the position he put me in. XXXX XXXX and XXXX XXXX took my money didnt pay 3 mortgage payment to rocket mortgage and left me being XXXX behind on my mortage1 month after a XXXX XXXX bankruptcy. I dont not have any record of where the 3 months of mortgage payments he took went. 
I would also like to report XXXX XXXX from XXXX XXXX XXXX, XXXX Indiana, she was suppose to keep track of all of this and was paid XXXX to do so. She did not do her job well
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

" This is not my account. I have no knowledge of this account. 15 USC 1681b I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists This are the listed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-18
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. (LA)

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights. 

XXXX ) XXXX  XXXX account # XXXX XXXX ) XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. Please remove these fraudulent accounts.
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (NY)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc. (PA)

XX/XX/XXXX I logged into my moneylion account to find that I had a XXXX balance which was XXXX  seeing as I didn't have a debit card the only info I receive is via the app or email. I contacted supporting filed XXXX disputes for fraudulent charges, was never offered a temporary provison/credit. 

XXXX after speaking with a tax specialist who's former position was in banking fraud/prevention for roughly 30 years I was told I should have been offered the provisional credit to call back which I did. I told the representative that I received no correspondence to the disputes and was never sent an email of confirmation. She replied that it had been sent to the email XXXX, this email was compromised and I did not have access to it which was explained during the initial dispute and I didn't t understand why with fraudulent charges on the account they would send follow up emails to the same email when a secure one was provided. The total amount of the charges were over XXXX dollars I then tried to change the email over the phone following their procedure when the representative said the photo was XXXX  and disconnected the call, XXXX  I woke up to all the disputes closed and not approved which to me hasn't sat right. After some consultation and trying to get in touch with the company only to be hung up on. I then went on the FTC website and filed a complaint with them Referrance # XXXX I then came here to file a complaint as well.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion, XXXX, and XXXX continue to report transaction history to my personal consumer report, violating 15b USC 1681b. None of the 3 aforementioned credit reporting agencies have received my consent or authorization to report this information. The only exclusion permittable related to transactions is between the consumer and the person making the report. Each of these credit reporting agencies, as of today XX/XX/2024, report XXXX adverse items to my personal consumer report. That is XXXX violations of the Fair Credit Reporting Act by each credit reporting agency listed above.
Consumer complaint received 2023-06-23
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. (PA)

I am writing to request that you remove certain utilization information listed on my consumer report due to not receiving all three disclosures about consent to furnish under 15 USC 1681a ( 2 ) exclusions, and the 15 USC 6802 obligation, regarding the privacy of personal information.

As I fall under these exclusions and obligations, I did not receive all three disclosures prior to providing my consent to furnish information, therefore, the following utilization information on my consumer report may be inaccurate or misrepresentative of my creditworthiness XXXX XXXX XXXX {$2500.00} out of {$2600.00} XXXX {$6800.00} out of {$7000.00} XXXX XXXX {$1900.00} out of {$2000.00} XXXX XXXXXXXX {$5400.00} out of {$6000.00} XXXX XXXX XXXX {$9400.00} out of {$10000.00XXXX XXXX XXXX {$1700.00} out of {$2000.00} XXXX XXXX XXXX {$2600.00} out of {$3000.00XXXX XXXX XXXX XXXXXXXX {$5800.00} out XXXX {$7000.00} XXXX XXXX XXXX  {$770.00} out of {$1000.00} XXXX XXXX XXXX XXXX {$1700.00} out of {$3000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} out of {$6500.00} XXXX XXXX {$460.00} out of {$1000.00} XXXX {$730.00} out of {$2000.00} XXXX XXXX XXXX {$670.00} out of {$1900.00} XXXX XXXX XXXX XXXX {$580.00} out of {$2300.00} XXXX XXXX XXXX XXXX  {$59.00} out of {$850.00} XXXX XXXX XXXX  {$17.00} out of {$1100.00} XXXX XXXX XXXX XXXX XXXX out of {$2000.00} XXXX XXXX XXXX {$0.00} out of {$1900.00}
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance to the Fair Credit Reporting Act, Capital One, has violated my rights under 15 USC 1681, section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan, as late for any purpose.
Consumer complaint received 2024-04-26
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. (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. I have already submitted a complaint and I have requested information regarding the accounts below over 120 days ago and have not received any information or a resolution from the companies listed. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : DEPT OF ED/XXXX  # XXXX has violated my rights.

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 2024-05-22
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. (IN)

LVNV FUNDING LLC has violated my rights as a federal protected consumer under the Gramm-Leach-Bliley Act. LVNV FUNDING LLC has taken my PRIVATE/ Nonpublic Personal Information and has made it PUBLIC and I as the consumer had no knowledge that they were releasing my Private / Nonpublic business matters Publicly. LVNV FUNDING LLC has unauthorized disclosed of my Private/ Nonpublic Personal Information such as but not limited to : Name, Social Security Number ( SSN ), Address, Date of birth, Payment history, Late payments, Balance amount, Account number, Date opened, the status of Account which describes as a Collection of Bad Debt, and Original Creditor Name to nonaffiliated third parties such as but not limited to : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX The listing of this Unauthorized Disclosure Of Private/ Nonpublic Personal Information without giving me the consumer the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party has resulted in a chain of damages against my XXXX score which also has resulted in denial of opening new lines of credit, and/or opening new property leasing Agreements due to derogatory comments and/or listing such as but not limited to : Name, Social Security Number ( SSN ), Address, Date of birth, Payment history, Late payments, Balance amount, Account number, Date opened, The status of Account which describes as a Collection Of Bad Debt, and Original Creditor Name to nonaffiliated third parties such as but not limited to : XXXX XXXX XXXX, XXXX XXXX and XXXX. 
According to 15 U.S. Code 6802 ( b ) ( A ) LVNV FUNDING LLC NEVER clearly and conspicuously disclosed to the me the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) LVNV FUNDING LLC NEVER gave Me the consumer the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) LVNV FUNDING LLC NEVER gave Me the consumer an explanation of how the consumer can exercise that nondisclosure option!
Consumer complaint received 2024-01-09
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. (MN)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX