davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
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. (AZ)

The debt collector is not providing the customer with the proof that was used to open up the account, This account was opened fraudulently. With different phone number and email address. 
I have had no access to the accounts and this isn't my responsibility to pay for anything.
Consumer complaint received 2023-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Loan South Finance & Tax Service of Troy, LLC (TX)

Since XX/XX/XXXX they have called me at work. They have been told not to call at my place of employment. They still continue to call. We record all our calls and I'm not allowed to take personal calls at work. The calls are on record stating not to call.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX Date Opened:XX/XX/2022Balance : $ XXXX Late Date XXXXXX/XX/22TD BANK N.A. XXXX Balance : {$78.00} Date Opened : XXXX Open Late Date XX/XX/18
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

I got a letter in the mail saying tiaa bank has partnered with loancare and that I have a outstanding balance. They said I didn't pay XXXX and XXXX and that I owed three months mortgage. So I payed the 3 months to the new address and new account number. And now they are saying they haven't received the check. And XXXX XXXX says all of the checks have been cashed. Even the first ones for XXXX and XXXX that I sent in XXXX and XXXX. I never received any notice that Tiaa bank was switching to loancare or that I was supposed to be mailing to a new address or loan number until they sent me a delinquency notice. And now they are still harassing me with phonecalls every other day. Asking me for my social security number and asking me how much the mortgage is. They are still asking me for more money Even though I payed them twice for XXXX and XXXX. And XXXX XXXX won't help me file claims or charges or whatever I need to do to get this resolved.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (MI)

noticed that I have collection on my credit reports. I contacted the collection agency to validate debt as I have no knowledge of the debt. I requested debt validation, the agency sent me a statement listing move out charges. This is not debt validation. I requested a copy of contract. Sent letter vis USPS Certified mail. Company has refused to validate debt. I'm requesting this debt be removed from my credit report immediately.
Consumer complaint received 2023-05-22
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. (MI)

On or around XXXX XX/XX/XXXX I filed CFPB complaint XXXX against Equifax because they failed to fix invalid/unverifiable information within my credit file. I provided a coopy of the complaint against the data furnisher I'd submitted to the US Department of Justice. That complaint outlined the various violations of TILARegulatoin Z in which the data furnisher stopped generating both paper and electronic statements. With the copy of the complaint I supplied over two hundred pages of documentation. Highlighting the data furnisher 's own acknowledgement that they had not been billing me.I also included sreenshots shoiwng the data furnisher 's system did not register me as having accounts, copies of " new bill '' notifications that corresponded to no accounts, and multiple billing error notices. Finally I demonstrated the data furnisher was unwilling provide me with copies of statements ( they did not exist ) and how the data furnisher was only willing to provide a screen dump allegedly from an internal system. TILARegulation Z requires that a data furinsher provide periodic billing statements for open-ended accounts. This data furnisher did not and continued to mark the payments late even after they received multiple billing error notices. Equifax allegedly conducted an investigation " updating '' the information for the account. It is now XXXX XXXX of XXXX and the invalid/unverifiable information continues to exist in my credit file with equifax. A data furnisher engages in unlawful and unfair practices if it is non-compliant with TILARegulation Z when providing periodic statements to a consumer. Moreover, a data furnisher is found engage in deceptive and abusive practices if the data furnisher then supplies one or more consumer reporting agencies with information that was generated by violating TILARegulation Z. The FCRA is quite clear in what the responsibility of the data furnisher is when supplying CRAs with information. Equifax has been provided sufficient documentation to know the information being supplied by the data furnisher is inaccuate and unverifiable. Information that is generated by violating Fedral statute and/or Federal Codified Regulations is on its face inaccurate and should not be included in a credit file for a consumer because it is misleading at best. Equifax needs to remove the account/tradeline from my credit file. It is the only CRA of the 3 major CRAs still reporting this information. Equifax continued inclusion of this invalid information in my credit file is harming me as a consumer and preventing me from obtaining housing.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 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 2023-02-13
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check this account ( A ). It is unacceptable to list this account as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I submitted this complaint to update this suspicious information. 2 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXBalance : {$4500.00}
Consumer complaint received 2023-05-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Innovative Funding Services, L.L.C. (MA)

In XX/XX/2023, I was interested in shopping around for an auto loan to buy out an existing lease. I queried a third party service ( LendingTree ) and consented to sharing my contact information for the purpose of receiving loan quotes for this purpose. I had two lenders call me immediately - one, who I ultimately ended up working with, and Tresl, who reached out to me and requested I call them back. I received an excessive number of inbound calls from Tresl - literally 4-5 a day for about 3 days. I finally contacted Tresl as I had 1 ) decided to go with another lender and 2 ) wanted the person who was harrassing me to stop calling. I never spoke to a Tresl employee directly- all communications were via voicemail, with me reaching out to Tresl a total of ONE TIME to advise them to stop calling me. I never submitted a loan application with Tresl - again, the only item I agreed to was passing my contact information along to this business for the purpose of getting vehicle loan rates, which would be performed via a soft credit inquiry. Upon leaving this voice message with the Tresl individual, I received an Adverse Action notice on XX/XX/2023. The notice indicated to me there was 1 ) a loan application under my name, which I did not submit, 2 ) a hard credit inquiry was performed listing my credit score ( XXXX ), and 3 ) that due to my credit score ( which is excellent ), my loan application had been declined. I work in the financial services industry myself in Legal and Compliance, and this application and hard credit inquiry were done without my consent. I never submitted any loan application with Tresl - again, I never spoke to ANYONE there directly. This is predatory and I have also reported this directly to Tresl 's Compliance department as well, also in the form of a voicemail.
Consumer complaint received 2023-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services sent me a letter in the mail threatening to collect debt thats not owed. The company is in Violation of my Consumer rights, which is a major red flag, harassment and mail fraud. I sent the letter back return to sender. Refusal for cause without dishonor. Pursuant to UCC 3-501. Cease & Desist, violation of 18 USC 1341 & 1342. Violation of Chpt 3 section 3003 - Title 39. Title 18 USC 1341 & 1342. Refusal of solicitation. No contract. 


Their address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Website : ccspayment.com Phone : ( XXXX ) XXXX
Consumer complaint received 2019-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (IL)

I been living out of the country for over 6 years, and to my surprise as I have return home I see a debt that does not belong to me. I have not opened an account or request any credit in 6 years. I also have written the company and zero response. I am shocked because I have alerts and a phone number they are not suppose to open or extend any credit with out my Authorization, It states it on my credit report to call I want this account removed. Its not mine and I never signed or Authorized or even went into any place for this account.
Consumer complaint received 2023-05-21
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. (IA)

I called the credit reporting agencies and let them know that the account in the document included below are not supposed to be reporting a late payment. I never gave them written consent to report them. 

According to U.S. Code 1028A- Aggravated identity theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

I believe my income was to low for the mortgage payments and it was pushed through even with that being the case. currently my mortgage is {$890.00} per month while my monthly income is {$1000.00} from XXXX. My family did suffer a hardship due to XXXX as my grandson was working and able to assist me, he was out of work due to covid for several months. During that time other family members did help out when they could however everyone in my family has been suffering due to the cost of living being extremely high-we cant seem to catch up. 
As I was speaking with a lady I befriended she made mention that I should have never been approved for the mortgage with no more income than what I had and I should look into the reason I was approved.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Holloway Credit Solutions (AL)

I have sent debt validation letters to the following companies : XXXX XXXX XXXX ( XX/XX/2021 ), Holloway Credit Solutions, LLC ( XX/XX/2021 ), XXXX XXXX XXXX XXXX XX/XX/2021 ), and XXXX XXXX XXXX ( XX/XX/2021 ). 

XXXX : Has not provided proper validation of the debt owing to me Holloway : has not responded XXXX : has not responded XXXX  : sent a letter showing a {$0.00} balance with them All the above have been given 30 days to send me validations of these debts with my signature via certified mail. They have reported these debts to the credit bureaus without the validation of the debts.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (MD)

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your XXXX XXXX XXXX. I did not or have not open or authorize this account, and I therefore request that it be closed immediately. 

Thank you, XXXX XXXX XXXX Save on Your Account Radius Global Solutions # : XXXX Balance Due : {$320.00} Account ( s ) in our office : Creditor : XXXX XXXX XXXX Debt Description : Account # : Balance Due : PAST DUE BALANCEXXXX {$320.00} Sent from my XXXX
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (NC)

i recently reviewed my credit report for Experian and seen a list of inquiries i did not recognize, apply for or authorize and i request for these to be removed because they are violating my consumer rights under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding includes ; expect as provided in section 15USC 21681g ( a ) ( 5 ) of title, a consumer reporting agency shall not furnish to any person a record of inquires in collection with a credit or insurance transaction that is not initiated by a consumer inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (SC)

I the consumer, applicant and natural person, was denied by Navy Federal when I applied for multiple personal loans.

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 1691c and is pursuant to civil liability under 15 USC 1692k You are subject to criminal liability for violating 15 USC 1691 as I have proof that i was discriminated against by Navy Federal due to the response i received which is attached.

Navy Federal is in violation of 15 USC 1642, 15 Usc 1681m and 12 CFR 1002 because I, the consumer and applicant, made an application in good faith with good intentions, but credit was not issued.

Furthermore because my credit card ( social security number ) was used and I the cardholder of that credit card received NO benefit. This is proof of FRAUDULENT ACTIVITY ( unauthorized use of credit card ) on behalf of Navy Federal If Navy Federal fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card i will imdeed make Navy Federal criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o Thank you XXXX : XXXX beneficiary/agent Without Prejudice. All Natural Inalienable Rights Reserved
Consumer complaint received 2023-02-28
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-05-21
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Accounts that are in negative standing that are currently listed on my credit report, 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 a account without my written instructions
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-28
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX  : # XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : # XXXXXXXX XXXX  : # XXXX XXXX XXXX : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A 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, other than records of conviction 's 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 2023-05-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX CARD SERVICES account # XXXX, XXXX XXXX XXXX account # 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 a account without my written instructions
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

On XX/XX/XXXX, I received an alert from Experian that my credit score dropper over 150 points. They have a XXXX account, which is not mine, listed as owing {$3700.00} which has been taken into collections. I have disputed this information twice now, as the account is not mine. But the information is still attached to my credit report I have also called XXXX, but was told there is nothing they can do, because the account is not mine. My XXXX account number is XXXX. The XXXX account number on my Experian credit report is XXXX