davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
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: Resurgent Capital Services L.P. (CA)

i HAVE NOTIFIED THIS COLLECTION COMPANY ON XX/XX/year> TO CEASE AND DESIST FROM CONTACTING ME REGARDING THIS DEBT. I REFUSE TO PAY. YET LVNV FUNDING LLC IGNORED MY REQUEST BY CALLING CONSTANTLY on XX/XX/XXXX XXXX 2024 AT ODD HOURS OF THE DAY WHEN I TOLD THEM TO CEASE AND DESIST FROM CALLING ME, THIS IS AN INCONVENIENCE TIME. THEY'RE SENDING LETTERS TO THE HOME ADDRESS on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/year>, XX/XX/XXXX and XX/XX/year> AGAIN IGNORING THE REQUEST TO CEASE AND DESIST FROM CONTACTING ME REGARDING THIS DEBT. FDCPA PROHIBITS DEBT COLLECTORS FROM ABUSIVE PRACTICES AND MISREPRESENTATION OF FACTS. VIOLATIONS HAVE OCCURRED BY LVNV XXXXCommunication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, XXXXCommunication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock ante meridian and before XXXX oclock postmeridian, local time at the consumers location ;
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P. (GA)

I received a court summons from LVNV Funding. I appeared in court and filed my answer. I provided a copy of my police report showing I was a victim of identity theft. The company never did the investigation into my claim. They processed to say I bought guns on the credit card in XXXX XXXX when I live in XXXX. Even after giving proof they didnt respond to my answer I filed with the court. On XX/XX/year> we had a court date but due to work I was unable to make it to cousin I filed a motion to set aside. The judge denied my claim because I couldnt come to court. However, the judge didnt make them respond to my ID theft report.
Consumer complaint received 2024-06-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (OH)

advocate_Navient XXXX ( XXXX minutes ago ) to me, advocate_Navient Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type does not meet the criteria for you to receive an application, because the funds were sent directly to you ( not your school ). If you are having difficulty making your current payment amount on the loan and are seeking information on any options that are available to you for your specific financial situation, please call us at XXXX where a XXXX will work with you to assist you further on this matter. 

Thank you, XXXX XXXX XXXX XXXX XXXX I replied : XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to advocate_Navient That is not accurate, funds were sent to the school directly as well as a small amount that was sent to me. 
Please reconsider this application. 

I will be filing a report with the Consumer Financial Protection Bureau ( CFPB ) this morning for this first rejection. 
XXXX XXXX
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2020-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas) (FL)

On XX/XX/2020 I received a notification from my credit monitoring company that I had a " New Account In Collections '' through a company called Berlin Wheeler Inc. I immediately called the company and spoke with a representative who informed me that I owed {$38.00} to XXXX XXXX and they were the collection agency who needed to collect the debt. I told them I had already paid my final bill and returned all the necessary equipment to XXXX and that XXXX told me I was paid in full. I then called XXXX  to verify this information. I spoke with both a customer service representative and a collections department representative from XXXX and they both verified that I did not owe them any money ( Call made on XX/XX/XXXX XXXX. I then called the collection agency back and told them what XXXX told me that I did not owe them any money and the collection was not valid. Berlin Wheeler stated that was not accurate and I still owed them money and they would not remove the collection from my credit report. I have also sent out a debt validation letter and am awaiting their response. I would like this collection removed from my credit report. I have attached the receipt showing that shows the equipment was returned to XXXX.
Consumer complaint received 2022-11-18
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX ... Balance : {$450.00}
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX XXXX ... Balance : {$450.00}
Consumer complaint received 2020-12-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CO)

Navient continues to call anyone and everyone who might be related to me several times a day in regards to my loan. This is harassment and obnoxious. Since summer 2020- currently, Navient has called my spouse and I several ( 4+ ) times a day and called other people unrelated to this loan and left obnoxious and threatening messages.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (MO)

I received a letter saying within 10 business days, I would receive some kind of response, and NOTHING, its like theyre not even investigating my matter, and its really hurting me financially!!! They keep giving me the run around, I have send XXXX pdf responses like they have asked in order too be eligible for a provisional credit, on the XXXX business day, I was finally able too get a representative too even transfer me too a supervisor, supervisor tells me he doesnt see my responses but too wait until tomorrow and itll all be sorted, Im currently on the phone, being the 10 business day, theyre claiming they have mens received anything from me, and I asked for a supervisor, and he told me too wait on the line for an hour if I wanted too, just too be hung up on and too rate his customer service XXXX mins later!!!!!! He also told me that since its early in the day, give them all day too have an answer for me and to basically stop calling about my stolen money!!!???
Consumer complaint received 2024-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Uplift, Inc (DE)

I took out a loan for a cruise in XXXX, the pandemic hot and XXXX cancelled the loan. Now another loan is on my credit report, that's not mine. 
My credit was compromised when my XXXX, Social security card and Birth certificate was stolen in XXXX. Then my credit was compromised again when XXXX, XXXX XXXX XXXX and my email was hacked. 
I was never contacted by uplift about the new account or the company they sold the debt too. Now I'm being sued for a debt that's not mine.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

On XX/XX/year> I received a " boost '' of {$5.00} which I tried to utilize but it was declined. My checking account was negative {$4.00} and if the boost went to clearing that it would've been fine. It wasn't, yet the {$5.00} was deducted from leaving XXXX XXXX  left. 

I contacted support through the app and was advised to call them. I did so and was told that it would be escalated and I'd receive an email. I had spoken with them several times only to be told to send a screenshot of the transaction that was declined which doesn't show on my side. I advised them of this and stated they ought to see why the {$5.00} was reduced to XXXX on their side. They advised me to call support again which would only put me in a loop. 

Chime took {$3.00} of the funds I was supposed to have and has been unable to justify why. I have filed a complaint with the attorney general, XXXX XXXX XXXX and now here for their theft of my funds.
Consumer complaint received 2024-06-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/year>. I recieved a new credit card from care credit despite I didn't apply for that. 
Ofcourse, it impacted my score hardly, in mean while I need it these days.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

XX/XX/2020, I sent a certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting a cure letter, deficiency letter, and a surplus letter to find out how they arrived at an owed balance of {$8500.00}. I never received a response back from XXXX XXXX XXXX XXXX. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XXXX, XXXX, and Experian ). Today, I checked my credit report and notice that the account XXXX XXXX XXXX XXXX and account # XXXX. Is still reporting on my credit reports inaccurately and without proper validation. I still have not received a cure letter or deficiency letter and from my understanding the UCC 9 ( 16 ) says that the account a consumer should receive this no later than 14 days after requesting it. 
For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed.

15 U.S. Code 1681s2 ( B ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. Field 7 Consumer Account is reporting inaccurately, because the account number XXXX has been redacted XXXX Report the individual 's complete and unique account number as extracted from your file ). Do not include embedded blanks or special characters. Field 25-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. Field 26-Date closed is incomplete, because it is not being reported. Field 27- Date of last payment is incomplete, because it is not being reported.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

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 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

XX/XX/2020, I sent a certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting a cure letter, deficiency letter, and a surplus letter to find out how they arrived at an owed balance of {$8500.00}. I never received a response back from XXXX XXXX XXXX XXXX. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( Equifax, XXXX, and XXXX  ). Today, I checked my credit report and notice that the account XXXX XXXX XXXX XXXX and account # XXXX. Is still reporting on my credit reports inaccurately and without proper validation. I still have not received a cure letter or deficiency letter and from my understanding the UCC 9 ( 16 ) says that the account a consumer should receive this no later than 14 days after requesting it. 
For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed.

15 U.S. Code 1681s2 ( B ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person XXXX not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. Field 7 Consumer Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). Do not include embedded blanks or special characters. Field 25-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. Field 26-Date closed is incomplete, because it is not being reported. Field 27- Date of last payment is incomplete, because it is not being reported.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit Acceptance has ruined my life with their inflated purchase prices making it hard to make payments because of their hidden fees and not reflecting how much I am really paying for the CAC loan in the beginning. Ive asked several times to be taking off of this loan due to the inaccuracies of the loan and shadiness of the company. CAC makes very expensive used-car loans to low-income buyers with limited credit options and take advantage of them. I am a victim of this. Misrepresenting the cash price of this vehicle. They couldn't provide me any documentation that a contract was even signed. If I went into a dealership and signed for this loan why wasn't there a hand written signature. I had vehicles from XXXX and everything was in written, I think the dealerships and CAC is in on corrupting the system. There is a lawsuit against them now, the lawsuit explains how this Company takes advantage and the interest rate of 22.9 % that is ridiculous! I will keep fighting to remove my name from this account due to the misleading information I received.
Consumer complaint received 2023-07-11
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. (MI)

Im having a problem with the inquiries being on my credit report that needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX