davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (VA)

Paid off debt collection XXXX to Credence. Did not recieve a receipt until XXXX. Original creditor XXXX did not agree the debt was resolved nor would acknowledge receipt and finessesed consumer for a payment XXXX yet did not ever disclose the details of the payment nor a receipt only referred consumer back to Credence XXXX. Issued a refund on XX/XX/2022 and again XX/XX/2022 yet did not recieve.
Consumer complaint received 2023-01-25
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. (IA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-28
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. (TN)

A fraudulent debt collector fraudulently opened a delinquent credit account under my name. I contacted XXXX directly after it appeared on my credit report as a collection, and during the conversation, XXXX noticed that I didnt even have a delinquent account, past or present, from the bank that this fraudulent credit agency reported. The account was created in thin air because there was NO past accounts from the bank reporting any unpaid amounts. And now Im the one that has to PROVE that the account never happened, YET THE FRAUDULENT collection agency NEVER had to PROVE anything to report a fictional account. Something is very WRONG with this situation, these credit agencies are supposed to be PROTECTING us from this abuse, not aiding in it and accepting it without any viable documentation of proof. Stop ALLOWING These bogus debt collectors from creating fictional accounts. It truly is pathetic. 

The name of the fraudulent debt collector is LVNV FUNDING LLC, also go by the name of Resurgent Capital Services LP, XXXX XXXX XXXX, XXXX, SC XXXX.
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings (MO)

This collection company is trying to collect a debt that i have no clue who this company is. They are violating my consumer rights by reporting inaccurate information to all XXXX credit bureaus.
Consumer complaint received 2022-10-19
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. (NJ)

As of XX/XX/2022 credit reporting agency Experian continues to violate my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by reporting fraudulent consumer credit transactions that are due to identity theft. 15 USC 1681c-2- Block of information resulting from identity theft states that except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Having this knowledge Experian needs to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy by immediately blocking the accounts that are a result of identity theft from my Experian consumer credit file and report. The purpose of the Fair Credit Reporting Act is to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681. I have attached all requested proof of identity, a copy of identity theft report and notarized identity theft affidavit, identification of the identity theft information that appears on my Experian consumer credit file, and a statement by me the consumer that the information is not information relating to any transaction by me. 

I AM A VICTIM OF IDENTIY THEFT!
Consumer complaint received 2023-06-20
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-10
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. (IN)

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 told Experian, XXXX, and XXXX to reinvestigate these accounts : procollect, XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-10-19
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: Experian Information Solutions Inc. (NC)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2023-07-12
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: Bread Financial Holdings, Inc. (TX)

Comenity Bank continues to incorrectly report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Comenity Bank continues to incorrectly report payment activity which provides an incorrect date these accounts are scheduled to be removed. The seven-year period starts with the date of first missed payment. However, on the above accounts Comenity Bank has failed, repeatedly, to report the first missed payment or correct same after I filed multiple disputes. 

Additionally, there are 2 addresses that appear on my credit report : XXXX XXXX XXXX, XXXX XXXX, CA and XXXX XXXX XXXX in XXXX, TX. These addresses belong to attorneys that Comenity Bank retained to pursue me for collection. These are not MY addresses and should not report as places where I have lived. I have also disputed this multiple times and each time it was confirmed as my address. 

I finally reached out to XXXX 's XXXX XXXX and they have removed their attorney 's information as my contact information. Yet, they still have refused to correct the reporting of the above-mentioned accounts.
Consumer complaint received 2023-04-27
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. (AZ)

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-08-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I had to re-sign e-docs several times because of not adding taxes in ( which is an understandable & fixable mistake ), then to resign because of closer computer issues. Then it was confusing if I needed to resign again after rescheduling hard copy Notary visit to home for signature to Title Company. 
Then, meanwhile ... .I was approved for 100 % XXXX to get my Property Taxes waived and no one ( Loan Processor, Originator & Closer ) couldn't tell me where to send my Verification Letter from VA. The Loan ProcessoXXXX vaguely pointed me back to the direction of Lakeview Loan Servicing Company. So, I tried several times for many days to try to find the correct email to send VA letter. I couldn't get in touch with Lakeview Loan Company so after about 2 weeks I finally figured out on my own through several phone calls and looking through hard copy of the Notary visit the Servicing Company and after being transferred a couple of times, I found the lady that could put me on hold & take the time out of her day to help her customer with a very legitimate inquiry. Come to find out that I needed to send the verification letter to none other than the Loan Processor, Closer or Originator ... go figure?
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

I noticed my discover card was declining when making transactions. I called discover and asked them what was going on. Was told they received a handwritten letter on XX/XX/2022 stating I was deceased. They had closed my account without even notifying me. The representative told me it was an error so they would reopen my account. I do not feel safe with this company and when I asked to speak to a supervisor they connected me with XXXX, who was very defensive and said that in order for me to get a document which was addressed by me, I would need a court XXXX. I feel extremely wronged and have no idea what that said letter verified. I asked what the protocol was for closing accounts based on someone being deceased, XXXX their representative for that department told me there is bo protocol but she liked the idea of XXXX being implemented. They told me they would reopen my account in a couple of days but this is not right.
Consumer complaint received 2023-08-10
Product: Mortgage — VA mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

I was mobilized under a XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022. My civilian pay appropriately stopped as of XXXX XX/XX/2022, and my military pay was delayed for XXXX days. My military pay also was paid inappropriately for XXXX days at my previous pay grade, and without the correct housing allowance. The inappropriate pay at old pay at older, lower rate of pay was less than my civilian pay, in addition to not receiving any pay to cover bills during the month of XXXX. I informed Penny Mac mortgage of this issue and asked for XXXX protection to prevent a XXXX day late credit report. XXXX removed the late fee, but has continued to report the XXXX day late to credit bureaus. Ive disputed the late report with the credit bureaus many times to no avail.
Consumer complaint received 2021-03-08
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. (VA)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2023-06-20
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. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX and XXXX XXXX. 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 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 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX, SC, XXXX
Consumer complaint received 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2018-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On Thursday, XX/XX/XXXX, I went online to check my account. A message was displayed that indicated the account was disabled and to call a phone number. I called the number and there was no answer. It was XXXX XXXX. On Friday, XXXX XXXX, I called the number. It was the Risk Closure Department. I was informed that Bank of America had decided to close my account. They reserve the right to do that at any time without explanation. At this time it was frozen and was scheduled for closure on XX/XX/XXXX. I told the representative that I had a Social Security Check scheduled to be deposited on XX/XX/XXXX and a pension check on XX/XX/XXXX. She told me to call the Risk Closure department on the morning of the deposit and they would put in a request for disbursement of those funds. She indicated that I would be able to pick up those funds at a branch office later that day. 
On XX/XX/XXXX I called the Risk Closure Department to make the above mentioned request. The person I spoke to said it would take 1 - 3 business days to get a response. For some reason they would not count that day as day 1. This meant that the 3rd business day would be Monday, XX/XX/XXXX but I could call each day to see if there was a response to my request. I called every day and have done so since and there is still no response to my request. Today is XX/XX/XXXX, 6 business days and no response. They are now telling me that usually no response means that they are going to wait until the account is closed and mail a check at that time. For me that is XX/XX/XXXX. 
On XX/XX/XXXX, I received a written communication from Bank of America regarding this situation. It was dated XX/XX/XXXX. The letter outlined what was happening and what to expect. One item in  particular was a statement regarding scheduled direct deposits. It states " We won't accept direct deposits into your account ''. Well they accepted both my social security check and pension check into the account so they are now tied up in this process. If they had returned them, I would have been issued paper checks from those agencies long before XX/XX/XXXX.
Consumer complaint received 2022-10-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. 

DEPT OF EDXXXX
Consumer complaint received 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2023-08-10
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX associates in Experian, XXXX and XXXX is missing generation identifier. These are inaccuracys On XXXX and XXXX the status updated is XX/XX/XXXX. On Experian it is XX/XX/XXXX. These are inaccuracys. 

On XXXX and Experian the balance updated is XX/XX/XXXX. On XXXX there is no balance updated. These are inaccuracys. 

XXXX, XXXX and Experian do not contain a last payment date. These are inaccuracys