davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

On XX/XX/2021, I sent in a request for validation to said Company CHOICE RECOVERY, INC. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is not XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (TX)

XXXX XXXX  likes to pass its debts between several of its own companies. They attempted to sue me in court and lost. I have an order of dismissal that was granted on XXXX XX/XX/2023. They were represented in court by an attorney and despite losing the case they chose to continue to report it and now outsource it to a company called Unifin Inc. Unifin Inc received an email with the judge 's findings. A court has ruled on this case and despite having lost they continue to try and wreck my credit, harass me and just act dishonestly.
Consumer complaint received 2023-02-21
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. (KS)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/2021, I sent in a request for validation to said Company LVNV FUNDING, certified mail. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is not XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

in accordance with the Fair Credit Reporting ACT the listed accounts has violated my rights. 
XXXX XXXX XXXX XXXXXXXX account number : XXXX XXXX XXXX XXXX  XXXX Acount number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : 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. states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-27
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. (MS)

This account is not mine. I have been disputing and they tell me its verified as accurate but wont show me where I put my signature to authorize this account. This is clearly identity theft. This account is affecting my credit health tremendously. Attached is what the bureaus are reporting. I recently reached out and asked them why are they reporting names and addresses that arent mine and they deleted it but these accounts arent mine and it remain on Transunion and XXXX. The underserved has always been a victim of these fraudulent credit reporting practices I will pursue monetary relief as soon as I find legal representation. I have a copy of my past credit reports as well.
Consumer complaint received 2019-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SD)

USAA manages my checking and investment accounts. 6 days XXXX XX/XX/2019 I requested a transfer of XXXX dollars from a mutual fund with USAA to my checking account with USAA. USAA at present has no record of the funds, can not find the funds and is stating it may be several weeks before the funds can be found. 
I feel this is unacceptable and feel there may have been a theft of funds by the USAA employees.
Consumer complaint received 2023-06-27
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. (TX)

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was a CHARGE OFF COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX, XXXX XXXX and XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2022-10-08
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 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights XXXX  XXXX XXXX Account # XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account # XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXXXXXX 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 2022-10-10
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: Experian Information Solutions Inc. (MD)

My name is XXXX 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.
Consumer complaint received 2021-09-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (NC)

Closed on new home XX/XX/2020 with XXXX XXXX  and attorney. Mortgage XXXX Made payments to XXXX XXXX  until I was notified that my loan had been sold. 
I made a total of XXXX payments to XXXX XXXX  for XXXX, XXXX total {$1600.00} on XX/XX/2020. 
On XX/XX/2020 I began paying SLS {$800.00}. 
The first payment they received they put in a hold account without notification to me. 
On XX/XX/XXXX they applied 199 % of the {$800.00} to the principle on the mortgage because they said I never directed them as to where to apply the funds ( didn't know the funds where in a hold acct ) Now they are trying to increase my monthly mortgage payment under the guise that I do not have enough money in my escrow account. 
I would note that my taxes and insurance are included. 
Taxes increased XXXX and Insurance increase by {$190.00} per year which would justify a {$1600.00} increase IF MY ACCOUNT WAS SHORT! 
I have spoken to numerous customer service agents who told me " there was nothing they could do '' to " I will have the money transferred '' and you will be all set. 
In XXXX a CSR told me to pay XXXX and when the money transfers back I should be caught up. So I paid an additional {$110.00}. 
It still has not been resolved and as of today they are starting to charge me late fee 's and talking to me like I'm a dead beat.
Consumer complaint received 2022-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MI)

There was a Navient AG Multi-State Settlement, where there was private loan debt cancellation given to individuals who had student loans with Navient. There were specific things that made borrowers eligible. According to XXXX, " The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, Sallie Mae, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. '' Some requirements listed were : -Generally, to be eligible for private loan debt relief, the borrower must have fallen behind on payments by more than seven months at some point before XX/XX/XXXX. 
-Generally, only loans that were within a statute of limitations period or still credit-reporting as of XX/XX/XXXX are within the scope of the debt relief. 
-Generally, to qualify, the borrowers mailing address on file with Navient as of XX/XX/XXXX, must be within one of the restitution-participating states listed above, Arkansas, Kansas XXXX Michigan XXXX Rhode Island, South Carolina, Vermont XXXX West Virginia, or associated with a military address postal code.

I never received a notice from navient, even though I believe based on the requirements I qualify for the debt cancellation. I was deliquent on my loan payments majority of XXXX, because I had a hardship in XX/XX/XXXX and couldnt make payments for XXXX and several months following this. I had six loan accounts with Navient, and by XX/XX/XXXX XXXX of those loans defaulted, XX/XX/XXXX XXXX more defaulted and XX/XX/XXXX the last loan defaulted. That would mean by XX/XX/XXXX, I would have fell within the requirements of being more that 7 months delinquent. I was not aware of the of the pending lawsuit, but in XX/XX/XXXX I went into a settlement agreement for the first loan that went default, in XXXX I went into another settlement for the next four loans, and in XXXX in XXXX I went into a settlement for the last loan. I believe if that if I was eligible, I should be reimbursed for the money paid out during the settlement agreements, and my remaining balance should be cancelled. 

If any account details are needed, my account number with Navient is XXXX. If further information is needed, I can provide whatever it is. I have the loan numbers, the amounts paid in my settlements, and also the remaining balances.
Consumer complaint received 2021-09-26
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. (GA)

Equifax shows ALL the SAME disputed information DESPITE the evidence I provided here, also via certified mail, also online uploading directly to Equifax THEY NEVER LOOKED AT ANY DOCUMENTS AND BANK STATEMENTS and they continue taking the sane false information from the sane furnisher again and again. ALL THE FALSE INFORMATION REMAINS ON MY EQUFAX CREDIT REPORT VIOLATING MY FCRA RIGHTS Equifax responded that it will use the same false unlawful information from the same furnisher instead of looking at my bank statements and looking at my credit report, SEEING THAT XXXX FURNISHES UNDULY UNLAWFUL INFORMATION ON MY ACCOUNT, and then properly deleting XXXX from my credit file in accordance with CFRA. 

Equifax has NEVER done what they are OBLIGATED to do and REMOVE XXXX FROM MY CREDIT FILE due to XXXX reporting inaccurate, false, unduly, unlawful, and unfair DAMAGING information on my credit file. 

Instead of looking at ALL the proof I sent and deleting XXXX  unlawful reporting, Equifax tells me it will obtain the same false information from the same furnisher. 

This behavior is ILLEGAL. 

Equifax has REPEATEDLY dismissed my disputes about XXXX XXXX XXXX stating REPEATEDLY exactly what they just stated in their response HERE. They take WRONG UNLAWFUL INFORMATION from the same furnisher and they keep it on my account VIOLATING MY FCRA RIGHTS. 

The inaccurate, false, unduly, unlawful XXXX reporting must IMMEDIATELY be removed from my credit file.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (GA)

I purchased my vehicle XXXX and I have decent credit. My credit rate was high I inquired and nothing was done. So I paid it off. Now when I purchased the car I clearly understood 4 years but it was over 4 years. I could not deal with the high interest that was on the loan.I called and spoke to someone to make a payment. I have been out or work since XX/XX/XXXX. So I call to pay XXXX and the XXXX man I spoke to on the phone wanted to know why I was late I couldn't understand because I have not been late nor have I missed a payment. So with that being said I did pay it off and have never been late. So I checked my credit and they had on my credit that my loan was outstanding .I called and spoke to someone and she said it was out of there hands that I will have to call XXXX myself I don't understand. I went on my credit XX/XX/XXXX and on that date my credit rating decreased. This is not fair I have worked hard to obtain my credit scores but with that being said I don't think I would have to do it my self. Thank you XXXX XXXX
Consumer complaint received 2022-04-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2022 I submitted letters to each of the credit bureaus letting them know that there is inaccurate/ incorrect items being reported to my credit report. It's been over 45 days and it is required by law that I have a response within 30 days and have yet to receive any type of letter or notification. I feel like I'm being ignored and taken advantage of and will file for litigation if I have to. Please help me with this matter.
Consumer complaint received 2022-04-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022 I submitted letters to each of the credit bureaus letting them know that there is inaccurate/ incorrect items being reported to my credit report. It's been over 45 days and it is required by law that I have a response within 30 days and have yet to receive any type of letter or notification. I feel like I'm being ignored and taken advantage of and will file for litigation if I have to. Please help me with this matter.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

I am writing to file a formal complaint regarding inaccurate information on my credit report, specifically about two 30-day late payments from Affirm. I am reaching out to request assistance in rectifying this matter. On XX/XX/2024, at XXXX XXXX  I received communication from a supervisor at Affirm, XXXX, confirming that Case ID Number : XXXX regarding a credit reporting dispute was being forwarded to the relevant team to be removed. It has come to my attention that these late payments were inaccurately reported and were, in fact, errors on Affirm 's end. Despite my request to have my card added to automatic payments, this was not processed as per the recorded conversations available. I have communicated with Affirm 's customer care team, including the supervisor mentioned above, who assured me that they would address this issue promptly. However, I am still seeing these erroneous late payments reflected on my credit report, which adversely impacts my credit score. 

I request your assistance in utilizing the provisions outlined in the Fair Credit Reporting Act ( FCRA ) to rectify this situation promptly. The inaccurate reporting of these late payments is detrimental to my creditworthiness and financial standing. I firmly believe that the evidence available, including recorded conversations with Affirm representatives, will substantiate my claim and warrant the immediate removal of these inaccuracies from my credit report. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary steps to ensure the accurate reporting of my credit history. I am prepared to provide any additional information or documentation required to support my case. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the accuracy and integrity of my credit report. Thank you for your assistance in this regard.
Consumer complaint received 2021-09-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XXXX XXXX, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

I mailed physical copies of my original bankruptcy filing to Experian, XXXX, and XXXX to demonstrate that they were reporting an inaccurate date and that the ten-year period is expired. Specifically, the Chapter XXXX bankruptcy filed in XXXX relates back to the XXXX Chapter XXXX bankruptcy that I filed but was dismissed without prejudice due to my hospitalization and health issues shortly after filing. Therefore, I requested that the bankruptcy be removed from each of my credit reports. 

1. XXXX promptly removed the bankruptcy 2. XXXX reported the bankruptcy as " verified '' 3. Experian had the temerity to respond that their information ( likely from XXXX ) was correct. In other words, their privately harvested data is more accurate than a federal court order ( uploaded herewith ) I am filing suit in federal district court tomorrow. The number of inaccuracies, aside from the bankruptcy issue, combined with the number and frequency of inaccurate reporting by these agencies across the nation creates and perpetuates systemic economic disenfranchisement that disproportionately impacts people of XXXX.
Consumer complaint received 2024-04-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (SC)

I sent a debt validation letter to Genesis Credit Management, the collections agency reporting a debt on my credit report, as required by the Fair Debt Collection Practices Act. The letter requested they provide various pieces of information and documentation to validate the alleged debt within 30 days. However, Genesis Credit Management failed to respond to my validation request within the 30-day timeframe mandated by law. They have continued to report the unverified debt on my credit report without providing the required validation.
Consumer complaint received 2021-09-26
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. (TX)

I disputed this company by the name of XXXX XXXX with the credit bureaus ( ( XXXX, XXXX, AND EXPERIAN ) and which all of them were deemed as verified I have asked them multiple times to provide me with original documentation that would solidify their reasoning in deeming the account as verified, they have yet to do so, which leads me to believe their investigations was improper and incomplete.