davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
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. (CA)

I have been trying to get help with this issue for over XXXX year. A previous creditor " XXXX XXXX '' continues to provide erroneous information in regard to my credit report and they refuse to update my report with accurate information. On my report you will see that in 2018 there was a bankruptcy listed on my credit report. XXXX XXXX was actually apart of the bankruptcy so they are well aware that they are breaking the law by continuing t report the account as charge with continuous lates still to this day. This is drastically affecting my credit and has caused sever unrepairable financial harm. 

XXXX681n, or negligent non-compliance, 15 U.S.C. 1681o. Claims of willful non-compliance carry possible statutory damages of {$100.00} to {$1000.00} per violation, attorneys ' fees, and unlimited punitive damages.

I am also instituting my rights under FCRA 609, I would like all documents related to this account. I am entitled to all documents related to each item, including each original credit application and contract containing your signature. 
Attached you will see proof that they willfully followed the bankruptcy order and then started to report the erroneous information consistently for the last XXXX years. 

The accounts in question are XXXX XXXX account number XXXX, this account should be reporting XXXX owed and no lates. 

Furthermore, you will see the list of previous disputes attached and also proof that they are purposefully reporting erroneous information. 

You will see that you have failed to respond on several occasions to an appropriate investigation.
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX To Whom It May Concern, I am writing to file a formal complaint against LVNV Funding LLC for XXXX violations of my consumer rights under federal regulations. LVNV Funding LLC has flagrantly disregarded the laws outlined in 12 CFR 1006.34 by failing to provide validation information regarding a collection account they have reported on my consumer report. Despite this blatant omission, LVNV Funding LLC has proceeded to report this collection account, thus infringing upon my rights under federal regulations. 
Furthermore, LVNV Funding LLC has deprived me of the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide the necessary avenues for dispute resolution is a clear violation of consumer protection regulations and demonstrates LVNV Funding LLC 's blatant disregard for fair and transparent practices. 
I assert that LVNV Funding LLC is engaging in deceitful and misleading practices by reporting this collection account without adhering to the requisite legal standards. This conduct not only violates my consumer rights but also undermines the integrity of the credit reporting system as a whole. 
In addition to disputing any ownership of the alleged debt to LVNV Funding LLC, I hereby revoke all rights of communication via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 
As per my rights under the law, I demand that LVNV Funding LLC provide validation of the debt, including the purchase agreement between LVNV Funding LLC and the original creditor. Furthermore, I request immediate proof of LVNV Funding LLC 's licensing and bonding, as mandated by law. 
Failure to comply with these demands within the legally mandated timeframes will result in immediate escalation of this matter to higher authorities. I expect a prompt and thorough response to this formal complaint, detailing the steps LVNV Funding LLC will take to rectify these egregious violations and provide restitution for the damages incurred. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Certegy Holdings, LLC (MN)

Attached is a letter from XXXX stating that Im not responsible for the check that was written to XXXX for {$270.00} thats currently listed and showing on my Certegy Consumer Report. The check for {$270.00} that was written to XXXX thats currently listed and showing on my Certegy Consumer Report is a fraudulent transaction.
Consumer complaint received 2023-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Dear SPS, In your reply on XXXX XXXX you stated : Taxes In the inquiries, you questioned the disbursement of your property taxes. SPS disbursed taxes in the amount of {$2700.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Since I checked with the county assessor that you had not paid the property tax on a timely basis, to avoid penalties, I went ahead and paid {$2700.00} on XXXX. According to the XXXX XXXX XXXX collector, SPS paid this tax again on XX/XX/XXXX! 
SPS was not truthful in their statement about payment on XXXX and their payment is being refunded to them as the second payment. 
How can I trust SPS if they continue to deceive me?
Consumer complaint received 2023-06-21
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. (GA)

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : XXXX XXXX, XXXX  XXXX : XXXX XXXXXXXX. 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 suppose to modify accounts that isn't reporting correctly. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-21
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. (GA)

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : XXXX XXXX, XXXX XXXX : XXXX 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 suppose to modify accounts that isn't reporting correctly. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CT)

I am filing a claim in the state of Connecticut. On XX/XX/XXXX, I rented a car in XXXX, XXXX, from XXXX. I chose not to purchase additional insurance because I was relying on my American Express XXXX XXXX XXXX. For this rental, I utilized two free days through my XXXX XXXX rewards. 

Unfortunately, I was involved in an accident and paid the deductible of XXXX euros to XXXX. I filed the claim with American Express on XX/XX/XXXX and provided all the requested documents. Despite several attempts to clarify that XXXX XXXX is not a method of payment but a rewards program, American Express continues to ask for non-existent documentation. Despite multiple phone conversations where representatives acknowledged understanding the issue and promised a review, they persistently request the same documentation. 

I even contacted XXXX for assistance, and they suggested I send a screenshot of my membership to American Express to help clarify the nature of the program. I have also provided detailed information on how the program works, and my invoice clearly states that XXXX XXXX covered XXXX days of the rental. 

When I rented the car, I was informed of potential issues with American Express in case of an accident, and now I see their warning was justified. American Express has not acted as promised and is questioning its customer unnecessarily. This situation has become exceedingly time-consuming and frustrating, especially because each call to their insurance company involves speaking with a different representative after a XXXX wait, and repeating the same information. 

I hope you can intervene and help resolve this issue, as it has greatly affected my customer experience.
Consumer complaint received 2023-09-17
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. (UT)

EQUIFAX CONTINUES TO NOT ACKNOWLEDGE ACCURATE INFORMATION ON THIS ACCOUNT. THEY REPEATEDLY CLAIM TO HAVE CONTACTED THE CREDITOR WHO IS REQUIRED BY LAW TO REPORT ACCURATE INFORMATION. THE INFORMATION SHOWING ON MY EQUIFAX CREDIT REPORT FAILS TO BE ACCURATE AND HAS FAILED TO DO SO FOR OVER A YEAR! 

XXXX XXXX XXXX XXXX REPORT THE DATES ACCURATELY. EQUIFAX CONTINUES TO CHANGE THEM TO WHATEVER THE DISPUTE DATE IS WHICH IS ILLEGAL & AGAINST FCRA LAWS THAT THEY ALONG WITH THE CREDITOR ARE REQUIRED TO DO! CREDITOR SEEMS TO BE ON BOARD WITH KEEPING INACCURATE! 

XXXX XXXX BLEW ME OFF SEVERAL TIMES, BUT THEY DID SEND ME THE STATEMENTS WHICH I CAN USE IN A COURT OF LAW AGAINST THEM ALONG WITH EQUIFAX FOR VIOLATING FCRA LAWS BY CONTINUING TO REPORT INACCURATE INFORMATION ON MY CREDIT DESPITE MY REPEATED ATTEMPTS TO GET THEM BOTH TO CORRECT THE DATES! 

I'VE ATTACHED MY PROOF OF THE STATEMENT SHOWING A XXXX BALANCE & THE DATE IT WAS PAID OFF! THAT NEEDS TO BE REPORTED ON MY CREDIT AS XXXX XXXX NOT XX/XX/XXXX! EQUIFAX IS INCOMPETENT & STUCK ON STUPID! XXXX XXXX  IS NO BETTER IF THEY CAN'T READ BLACK, WHITE, RED & YELLOW HIGHLIGHTS. THE WRONG DATES CONTINUE TO SHOW NOW ON MY CURRENT CREDIT I RAN ON XX/XX/XXXX. SEE ATTACHED COPY FROM THE PAGE ON MY CREDIT REPORT.
Consumer complaint received 2022-09-11
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX has violated my rights. 

Contact info : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California 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 a account without my written instructions
Consumer complaint received 2024-04-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (FL)

I was ruined by Covid-19, and for a long period of time I was using my savings to maintain my payments on credit cards. Eventually I just ran out of savings and making payments were not possible. However, I was hoping that your financial institution would eventually sell off my debt to a third-party debt buyer. Or at least make an offer in compromise to resolve the account. That has not happened. Accordingly, I am reaching out to see if a reasonable offer is possible. I have no other recourse but the reach out through the Consumer Financial Protection Bureau ( CFPB ). I do realize that bankruptcy is an option, but I wanted to see if there was an alternative. Please reach out to me through the CFPB. XXXX XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (CO)

Rent Recovery Solutions Statement date : XX/XX/24 Settlement Amount : XXXX Balance Owed : XXXX Action taken by me : called this number XXXX but no one answered Statement date : XX/XX/24 Settlement Amount : XXXX Balance Owed : XXXX Action taken by me : called the same number but no response. I also looked at my credit score but since I dont have any credit there is no credit to look at.
Consumer complaint received 2024-04-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: AES/PHEAA (PA)

A long standing spousal consolidation was secured by AES in the early XXXXXXXX XXXX The marriage has ended, and payments have been made over the years. 

We tried to convert the AES Spousal consolidation to Department of Ed Direct Loans. This was denied based on the type of loan. 

Because the loans are not Federal, this website is one of the only ways to address the spousal consolidation, but more importantly qualify for student loan forgiveness.
Consumer complaint received 2023-06-21
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. (FL)

( Cancellation of Debts Do to identify theft ) Debts were settled and are still being reported years later this is an violation of the FCRA Remove accounts off of credit report immediately. 


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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see the attached letter from XXXX XXXX  as well as the universal data form and update the account that is reporting inaccurately. The account is XXXX XXXX ending in XXXX. The late payment for XX/XX/2020 should be removed and updated immediately. The company has agreed to a goodwill amendment.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XXXX Golden 1 Credit Union with XXXX XXXX from my checking account to pay a credit card bill. The credit card is from Golden 1 credit union. I did not give consent to withdraw any money. They did this one other time this year. 
This is a violation of the fair credit act.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX 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 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These accounts inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX, XXXX and Transunion Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank you.INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Medical XXXX
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (OH)

I had student loans from about XXXX that were managed by ACS loaning company, they then sold my accounts to XXXX, and XXXX has recently sold them to XXXX. I qualify with my employer whom Ive been with since 2007 for PSLF, however XXXX is not showing any of the payments made with ACS. Im at a loss on what to do or how to get this addressed?
Consumer complaint received 2023-01-10
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 has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) A Section 2 : It also states a consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-27
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: EQUIFAX, INC. (FL)

Equifax, Please see below and attached - I was a victim of identity theft and there's an unauthorized hard credit inquiry that needs to be removed immediately from : XXXX XXXX XX/XX/2023
Consumer complaint received 2018-03-06
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. (MI)

Over the last few months I have been trying to get my credit work done between the three credit bureaus XXXX Trans Union and XXXX they have failed to honor and repair my credit I have a notice that shows and if you read it it will tell you according to the fair credit report section XXXX you are required by law federal law to verify through physical verification of the original signature and they do not do that they Get online and wait for the creditor to respond no written signature from me and then they say that the credit is mine they to nothing