davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

My name is XXXX XXXX XXXX , and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC ( Original creditor : XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (IL)

I APPLIED FOR AN APPLE CREDIT CARD AND WAS APPROVED. I DID NOT MAKE A TRANSACTION ON THE CARD EVEN THOUGH A BALANCE APPEARED ON THE CARD. I WANT TO DISPUTE THIS TRANSACTION. THE PHONE NUMBER ASSOCIATED TO THE CARD IS XXXX AND THE EMAIL ADDRESS IS XXXX. BOTH, NUMBER AND EMAIL ARE NO LONGER ACTIVE. 

MY ACTIVE PHONE IS XXXX AND EMAILS ARE AS FOLLOWS : WORK AND PERSONAL XXXX XXXX I HAVE APPLIED TO RETURN TO SCHOOL FALL TERM 2023. I WOULD LIKE MY APPLICATION TO BE CONSIDERED AS SOON AS POSSIBLE. THANK YOU XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (AL)

CBE Group keeps sending me collection notices in the amount of {$170.00} since XX/XX/2021 The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2024-02-26
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-30
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00}.
Consumer complaint received 2022-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am unable to submit a dispute on my Transunion credit report.On XXXX, and XX/XX/19, I attempted to submit a dispute on my Transunion credit report on the Transunion website and I have been unable to submit a dispute. Each time I try to submit a dispute, the dispute feature takes me to a broken link or I do not see an option to submit a dispute. It is very difficult to submit a dispute on Transunion website
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The company reported my account delinquent in XX/XX/23 but I was never delinquent. I sent multiple letters to the credit bureau to get XXXX XXXX to provide proof and validation they have refused to do so. Now theyre reporting me as over there limit on my account and not. They charged me a late fee and I was not late. I spoke to XXXX XXXX  and they have refused to solve the problem. 

This has been an ongoing concern with this credit card company. Theyre being malicious and reporting incorrect account information
Consumer complaint received 2024-06-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

Today date XX/XX/year> Account name : lvnv funding To Whom It May Concern : This letter is in reference to { account number XXXX ) that your company is currently reporting to the credit bureaus under my name. The account is being reported to have a derogatory rating which is extremely troubling to me. This negative rating has caused me some serious financial distress and will continue to cause me financial and emotional distress until it is resolved. In researching my legal rights, I have found several items that I understand I am entitled to under these circumstances. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand an information request. I understand that The Fair Credit Billing Act ( FCBA ) requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. I request, under the FCBA, that you include all of the following for my reference and research into this matter : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit fraud against me ( you do take these precautions correct? ). 3. An itemized statement breaking down the balance you claim I owe. 4. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance with the FCBA. If you can not provide this requested correspondence, then please delete the negative marks you have reported to the three consumer reporting agencies about me within the timely manner prescribed by law. Your prompt attention to this matter will be greatly appreciated. Sincerely, XXXX XXXX
Consumer complaint received 2023-05-30
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. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
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)

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 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (TN)

AFNI bought my account from XXXX. I have been dealing with this issue for several months. I am trying to buy my 1st home and this is hindering the process. I have literally been going through this since XX/XX/2016. 
I keep calling AFNI requesting an itemized list of the charges because I know I do not owe this amount. They sent a generic form saying I owe x amount of dollars but they wo n't tell me what I owe for. They tell me to call XXXX. I have called XXXX literally over 50 times and talked to numerous people ( because they transfer me to 4-8 different people. The last person usually " accidently '' hangs up on me. Anyway, everyone at XXXX tells me they ca n't tell me what I owe the money for because " their files are archived. '' I have told AFNI that XXXX can not give me any details. I told this to XXXX today. She says, " Well if XXXX ca n't give you any details because their files are archived, what makes you think we can? '' Therein lies the problem. They say I owe a debt of ( now ) {$930.00} but they can not support the " why '' part of the debt. I have a feeling I was charged for things such as early terminations ( I was out of contract ) and/or equipment return fees ( I hand delivered these to a representative, ) etc. Nobody can answer this question. I informed XXXX I was going to file this complaint today if I did n't have the information and she told me to go ahead and file because they do n't have any copies of bills and they only have the amount. Please help.
Consumer complaint received 2022-10-13
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. (TX)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2023-06-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (LA)

I recently placed a complaint in regaards to XXXX XXXX XXXX, who filed a citation against me, in civil court. XXXX XXXX, with CFPB. They claimed to have sent a letter on specific dates, initiating the purchase of my debt from Rooms To Go, Synchrony Bank. However, this was false information. As I stated in my feedback, I receive Informed Mail from my postal service. Which means, I receive images of my mail, before they arrive in my mailbox. I checked dates given for letters and received absolutely nothing from this company. That is, until today, XX/XX/2023. 
However, I contacted Synchrony Bank in regards to my RoomsToGo account. 

After searching endlessy, I found emails from Synchrony Bank, in my junk mail ( emails ). 
They offered me a settlement and payment plan, that would remove all late fees and allow me to pay my balance off with them. 
I called, todayXXXX  and spoke with XXXX. She informed me, that a dispute was sent to XXXX XXXX. She also informed me that, within 60 days, my account should be back with Synchrony Bank and I should not have to deal with XXXX XXXX XXXX.
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I was calling in to the credit card company, to make a phone payment for  XXXX   2017 , as I do every month. The voice message informed me, before I could even make payment, that I was charged a {$25.00} late fee on  XXXX / XXXX / 17  ( for no payment made ) and now I owe, as of when I made call on  XXXX / XXXX / 17 , {$84.00} for month of  XXXX  and {$100.00} for current month of  XXXX . I then reached out to representative this evening to ask why I was charged a late fee for  XXXX  and expected to m ake x2  payments now ( for  XXXX  &  XXXX   ),  when I made {$100.00} payment on  XXXX / XXXX / 17  for the month of  XXXX .  (  Mind you, I also made {$100.00} payment on  XXXX / XXXX / 17 , so  XXXX  was paid up as well ) .The  XXXX  representative told me that since my payments are due on the  XXXX  of every month, I paid my  XXXX  bill too soon so it does n't count towards my  XXXX  bill and since there was no other payment made closer to the  XXXX , it was considered no payment made, I was considered delinquent in payment and now I owe for both  XXXX  and  XXXX  with late fee. This is crazy to be penalized for an early payment made during the month a payment is due. I closed this account some time ago and I am just making payments until balance is zero. It just seems like the bank is taking advantage of paying consumers. I have not yet made my  XXXX  payment. This is so very wrong.
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ASSOCIATED BANC-CORP (VT)

I got a loan for a used car XX/XX/XXXX from Associated Bank. I have consistently had problems making payments through their website, with checks, etc. I have made all my payments but they are showing me in arrears. Not only have I made the monthly payments I have made principal payments of XXXX in XXXX, XXXX in XXXX and XXXX in XXXX. The first time I tried to make the principal payment in XXXX of XXXX through their website they sent me a letter that my bank did not send. I don't know how that happened but made the payment a second time through their website which they finally received. XXXX 's payment I mailed a check on XX/XX/XXXX along with other checks for bills, etc. The other checks were cashed but Associated Bank called me saying I didn't make XXXX 's payment. The check was never cashed. I was told they would take XXXX payment from the XXXX principal payment I sent in XXXX. That was XX/XX/XXXX. To date, this payment has not been applied to the loan and every time I call they say it is on their end but my account online still shows behind. First it was I needed to wait 24-48 hours for it to show. It is not XX/XX/XXXX and we are well past the 24-48 hours. They also make making principal payments difficult stating that when I do that I need to call every time and tell them to apply to principal. I am NOT late on this loan nor have I ever been late on ANY loan I have ever had. It is difficult and arduous to talk to this company and when they say its taken care of why wouldn't it show on my online account. Every time I call it is a different excuse.
Consumer complaint received 2023-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (VA)

New York and Company Comeity Bank stating I owe this debit. I have filed report after report that this is not mine and I know around the tine when the account was opened my identity was stolen. I had my wallet stolen and drivers license and ss card was all in my wallet. I had a car bought during that time and now a account opened. I am not sure what else to do.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (AL)

My concerns with Discover and their unfair credit reporting processes. 
I paid my account within 30 days ( XXXX and XX/XX/2019 ) and was reported late. 
The account was never late.
Consumer complaint received 2021-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

I saw this listing from XXXX about a rental home for military personell and upon checking everything looks legit and I even did a background check about that website and people said its pretty legit and how its easier for military members to look rental houses there. I reached out to the one of the listings there and he replied right away he sent me application forms and even his identification that he is legit. So i filled it out sent it back to him he said i need to put down {$1000.00} for security depost and another {$1000.00} to finally secure the house. So i did and he emailed me my lease with his attorneys signature, his signature and mine on it. So weeks before Im trying to move in he said, him and the property manager will hand the keys to me on the day i move in. So the day i move in he was nowhere to be found, doesnt answer the phone and doesnt reply through my texts. And thats when everything fell apart on me.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

MCM bought in  XXXX  XXXX  an Identity Theft debt from  XXXX    XXXX   which was disputed in   XXXX  ,  XXXX  had already removed it from CRA and then started to report it again. I have disputed the account through MCM but they have not yet mailed me the requested documents.  XXXX  says the account belongs to MCM, I am a victim of Identity Theft, this debt is not mine. I have provided a FTC Identity Theft Report.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had an account with BofA that was compromised. I notified the bank immediately and they froze that account then had me open another. Well the account that was compromised had been force closed per my statement dated XX/XX/XXXX - XX/XX/XXXX. On page 1 of 4 on the statement it states, XXXX XXXX. However on page 3 of 4 dated XX/XX/XXXX under deposits it says, FORCE CLOSE ACCOUNT XXXX XXXXXXXXNow below that dated XX/XX/XXXX on withdrawals it says, FUNDS TRANSFER DEBIT XXXX XXXXXXXX. Bank of America is saying I owe them and they are crazy. On another statement that says, FORCE CLOSE ON XX/XX/XXXX it states $ XXXX. So who owes who? Not to mention they placed me in XXXX so Im stuck with them.
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL (OR)

Following the recommendation of the FDIC, I am requesting your help executing a lien release for a vehicle I paid off 16 years ago. 


Unfortunately, my attempts to resolve the matter directly with the lien holder, Synchrony Bank, by both phone and mail were unsuccessful. As a result, I followed up with the FDIC, who indicated they could not assist because Synchrony Bank, which acquired the original lender GE Capital/Consumer Finance , is an open institution. 


I am hoping if I provide you with the chronology of events and relevant paperwork, you can assist. 


* XXXX : Purchased XXXX XXXX XXXX XXXX  XXXX ; financed through GE Capital/Consumer Finance XXXX XXXX : Fell behind on payments after losing job and going through nasty divorce * XXXX : Debt went into collections with XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Negotiated debt of {$1800.00} was paid by check to GE Capital out of Trust set up by attorney XXXX XXXX to settle joint debts as part of divorce proceedings ; the check cleared on XX/XX/XXXX ; note the check was mistakenly made out to a XXXX more ( {$1800.00} ) * XX/XX/XXXX : Gifted scooter to a neighbor who plans to convert it to electric * XX/XX/XXXX : Requested duplicate Title from OR DMV * XX/XX/XXXX : Was informed by OR DMV that Synchrony Bank is lien holdeXXXX XX/XX/XXXX XXXX Called Synchrony Bank at XXXX to try to resolve the problem. I was told that because the debt was so old, I needed to write a letter to XXXX XXXX XXXX XXXX XXXX XXXX 


* XX/XX/XXXX : Sent letter to Synchrony Bank XXXX XXXX XXXX As of XX/XX/XXXX, I did NOT receive a response. 


* XX/XX/XXXX : After determining GE Capital/Consumer Finance was a failed bank, I sent a request for lien removal to FDIC via online form. 


* XX/XX/XXXX : FDIC informed me via email that the lien could not be removed b/c acquiring bank Synchrony Bank was still in operation. They recommended I follow up with the Consumer Financial Protection Bureau * XX/XX/XXXX : Sent email to info@consumerfinance.gov requesting assistance I realize that the documentation does not explicitly tie the debt to the scooter, but I am certain that I financed it through GE Capital. In addition, as part of my divorce proceedings in XXXX, ALL of the outstanding marital debts, outside of property mortgages, were paid off through a Trust set up by my ex-wifes attorney XXXX XXXX , funded from the sale of a jointly owned rental property. So, this debt would have been part of this sweep. 


Anything you can do to assist in this matter would be greatly appreciated. The 19-year-old scooter has little resale value, but my neighbor is a mechanical wizard and plans to convert it to an electric engine. Hed like to have the Title in his name and keep current with registration and insurance. 


THANK YOU.