davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

For the last year or so, Resurgent Capital, working on behalf of LVNV Funding LLC, has been trying to collect a debt that doesnt belong to me. They have called many times, and also I have received letters from the law firm of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX threatening me with a court case if I dont pay the amount their client is requesting. 
Here is what I have done so far : Wrote to LVNV asking them to cease and desist calling and threatening me because the debt they are collecting doesnt belong to me. 
Wrote to XXXX, XXXX, XXXX XXXX XXXX also asking to desist threatening me with court action if I dont pay the amount their client is trying to collect. 
In each letter, I explain why the debt doesnt belong to me. 
I didnt receive an answer from either of these individuals, and the calls and threatening letters continue. 
I call customer service at Resurgent Capital and spoke with one of their agents who agreed that the last 4 digits of my social security ( XXXX ) do not coincide with the debtor social security, but that could do nothing about the situation, he suggested that I change my address thus stop receiving the threatening letter, and he promises to remove my telephone number from their list. During the conversation, the implication was that was better for me to pay this amount than to contract a lawyer to defend the case when it goes to court. He may be right, but this cant be legal. 
Again the last four numbers of my social security are XXXX I have never resided at the address they are listing for the debt. I have been residing at my current address since 1997. And before that date, I was a resident of XXXX, NJ I have never had any business with XXXX XXXX. 
My current XXXX score is XXXX ( see attached file ) Please help stop all these individuals from keep bothering me by collecting an amount that I dont owe. 

Thank you for your help. 

XXXX XXXX XXXX
Consumer complaint received 2021-12-20
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. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-20
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)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2023-02-18
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. (CA)

This is my 8th 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  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX XXXX : {$0.00} DEPT OF XXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-12-20
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. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

USAA has sent four emails advertising an auto refinance rate of 0.49 % APR. However, upon completing the application and with excellent credit and debt to income ratio I received a rate of 1.89 %. Additional details as follows : I received four emails between XX/XX/XXXX and XX/XX/XXXX advertising the 0.49 % interest rate. The USAA site was down on XX/XX/XXXX so I completed my application on XX/XX/XXXX. The lowest interest rate offer I received was 1.89 %. I thought I made an error in selecting the 0.49 % offer so I went back to the USAA email and clicked on the link. I was taken to a landing page where the 0.49 % offer was still available and completed another application. Upon the completion of that application the interest rate remained at 1.89 %. 

On XX/XX/XXXX, I contacted USAA to discuss why the offer advertised was not the one received. The call center rep told me that I received their lowest APR offer available. I informed her that the rate advertised in the email was much lower and I would not have applied for the interest rate they are offering. Clearly the lowest offered rate is not the same as the 0.49 % interest rate that they are advertising, and they are baiting customers to apply based upon false advertising.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 I applied on XXXXXXXX XXXX  website for the Visa Signature Rewards Card issued by Chase. The website said the application was unable to go through ( I do not remember the exact reason it said ). I was going to try and apply again on the website but I looked at my credit report from XXXX on XXXX XXXX and saw that I had a hard inquiry from Chase. I then have been going back and forth calling XXXX and Chase to figure out the problem. XXXX says that they have no application processed from me, even though the website shows that I applied, and Chase says they never received an application from me. I know the information was entered correctly because it is showing on my credit report. Long story short, XXXX directed me to Chase, who then directed me to XXXX, who then directed me to FTC.gov, which then directed me to y'all. I would like to either have the application fully processed if possible, or at the very least have the hard inquiry taken off since the application was never processed.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-21
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. (CA)

I wrote a 609 letter to Experian dated XX/XX/2019 and I asked them to validate NOT verify my original signature with any supposed contract and they failed to validate the debt and provide me with the method of verification which is what my letter requested. They wrote me back and nothing has changed or been provided to validate this debt.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

Since XX/XX/year>, i've reached out to A third Party Debt Collector ; XXXX XXXX XXXX XXXX XXXX  multiple attempts to stop debt collection of a debt that was a result of Identity Theft from Wells Fargo Bank. 
Their Representatives seem to not recognize my requests to stop collecting and return to funds taken from me due to a judgement against me.
Consumer complaint received 2024-06-04
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: CITIBANK, N.A. (CA)

I attached the letter explaining the issue that occurred over 12 years ago with Citibank. Just because I withdrew $ XXXX cash out of my checking account at the time to pay for remodeling my house they closed my checking, savings and credit card at Citibank XXXX My payment history is excellent with XXXX XXXX XXXX XXXX cards, Master card, Home loan, XXXX XXXX XXXX XXXX, XXXX card, XXXX XXXX card, XXXX XXXX, XXXX credit card, etc. 
I have an excellent credit score in the high XXXX 's, payment history, always pay all my bills on time. Just because I withdrew cash out of my checking account long ago they should not continue to blackball me. I want to obtain a Macy 's credit card to get the extra discount on furniture and new mattresses but because Citibank underwrites the Macy 's credit card they continue to freeze me out. What happened 12 years ago should not affect approving me for a Macy 's credit card by Citibank. 
I would greatly appreciate Citibank looking into this matter and approving my credit card application. Thank you so much!
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (NY)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have not received any confirmation on how you have validated the alleged account attached in Exhibit A and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ***** ( copied from the affidavit attached ) ******
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Social, ID, Identity Theft report
Consumer complaint received 2019-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

I have no knowledge of this debt. Im a young entrepreneur trying to build my credit. I need this removed from my credit because I'm trying to build my business. Credit is important to me and by this being removed it was greatly help out my score because i have no knowledge on what this collection is. I've contacted the collection agency to get this removed and nothing was solved.
Consumer complaint received 2019-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

Credit Collection Service Account # : Unknown Amount : {$170.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with CREDIT COLLECTION SERVICE ( CCS ) and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX & Credit Collection Service. I  have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless Credit Collection Service can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 


Thank you for your time. 

XXXX XXXX
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (NC)

This is my 2nd complaint against MoneyLion. This is a different issue. It is imperative that MoneyLion change my default payment method from checking account ending in XXXX to account ending in XXXX. Ive made several attempts to make this change on their app but to no avail. I have called more than 6 times. Each time I call Im on hold for more than an hour and then my call gets cut off. This happens every time I call. I will be closing the account ending in XXXX in the next 2 weeks. It has been impossible to make the change online through the app or to reach a human by phone. Im at wits end trying to deal with these people. I need someone from MoneyLion to contact me and confirm the account change. As of todays date the app still shows my account ending in XXXX as my default account. This must be changed ASAP.
Consumer complaint received 2024-06-04
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: Nelnet, Inc. (TX)

I questions as a duplicate report during the reporting in XXXX In XX/XX/XXXX I am showing that Nelnet updated the account to reflect a past due that was XXXX they updated to XXXX past due. Nelnet has not owned the loan since XXXX I would like to get this deleted from all agencies. This account is XXXX and closed and it has been XXXX  years since they have owned the account and the reporting has not been correct and the disputes are not corrected
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

According to the Fair Debit Collection Practices ACT ( FDCPA ) 15 U.S. Code1692c and 1692g, it is your legal obligation under federal law to verify all accounts reported to credit agencies by physically validating the original signed consumer contract. I am hereby requesting verifiable proof of the following information : 1. I am requesting a copy of the original consumer contract bearing my signature for the account listed below, stating that I guaranteed the payments of this debt for the original creditor. 
2. Detailed payment history, including the last payment made to both your company and the original creditor.

3. Documentation of the assignment from the original creditor to your company, also bearing my signature.

4. Date opened and closed account status, and current balance owed to your company, accompanied by my signed agreement.

5. Acknowledgement and a copy of any insurance claims filed on this debt.

6. A copy of the written proof that you have the chain of title to collect on this debt from the original creditor.

Failure to provide this requested documentation within the parameters of the law will result in the removal of the accounts in question from ALL reporting agencies, as stipulated by the FDCPA regarding unverifiable accounts.

Removal if i am not provided with the requested information within 30 days
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

IVE DISPUTED THIS XXXX XXXX COLLECTION NUMRIOUS OF TIMES DATEING BACK FROM XX/XX/2023, XX/XX/2023, XX/XX/2023 ACCOUNT NUMBER IS XXXX AS IDENTITY THEFT, BECAUSE IVE NEVER HAD AN ACCOUNT WITH THEM. IVE ALSO ASK THE BUREAU TO VERIFY THIS AND ASK HOW DID THEY VERIIFY, HAVNT HEARD ANYTHING. PLEASE HELP, ITS HURTING MY CREDIT.
Consumer complaint received 2022-10-11
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. (PA)

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.