davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX REFUSES TO REMOVE XXXX old outdated collection accounts. Date of first DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX XXXX {$1300.00} XX/XX/2016 and XX/XX/2016 {$780.00} XXXX and XX/XX/2016 {$410.00} XXXX XXXX.
Consumer complaint received 2016-11-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Student Aid (USA) Funds (IL)

I sent a letter to USA FUNDS letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and USA FUNDS refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. USA FUNDS provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. Below is the account information USA Funds needs to delete. 
Account Name U S A FUNDS Account # XXXX Account Name U S A FUNDS Account # XXXX
Consumer complaint received 2019-06-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (VA)

Serve allows you to pull funds from your debit card that is linked to a separate checking account as long as it has been verified by the company. I processed a {$100.00} transfer from my debit card to my serve account on XX/XX/2019 and in doing this my bank placed a hold on the funds so that the merchant ( Serve ) could have the funds available and collect them. Serve did not collect the {$100.00} that was on hold after 5 days so my bank released the hold. Serve then processed the transaction 13 days after on XX/XX/2019 and withdrew the {$100.00} causing my account to go negative and causing me to incur NSF fees from my bank and 3 credit card companies due to the payments being returned amounting to multiple fees. I spoke to serve and they said that they process all transactions within 10 calendar days and this was processed outside of the 10 calendar days  according to my bank. I have requested that serve cover the NSF fees and they have refused to do so even though them requesting the funds 13 days later cause my account to be charged insurmountable fees.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (IN)

I've attempted to make a payment 3 times to this credit card company and it was returned to my bank account. The fourth time I attempted to pay it went through and unfortunately at this point it was passed the 30 day mark. I called them twice to make the payment over the phone and it still didn't go through. 

Attached is evidence of me attempting to pay and them returning it into my account and me calling them trying to pay over the phone. 

I called to have this resolved but they were unwilling to work with me despite my attempts of payment.
Consumer complaint received 2022-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

Around XX/XX/XXXX I received an email from Spring Oaks Capital , LLC letting me know Spring Oaks Capital SPV , LLC now owns my WEBBANK account, following by a collection notice in the mail around the next, letter dated XX/XX/XXXX, also stating they are trying to collect a debt now owned by Spring Oaks Capital SPV , LLC. This letter also mention account number XXXX, and that the creditor on XX/XX/XXXX was XXXX XXXX XXXX. The alleged balance is {$10000.00}. On XX/XX/XXXX I sent a certified letter advising Spring Oaks Capital , LLC that I was disputing the debt and request validation, at the same time letter was emailed to XXXX, the letter was received on XX/XX/XXXX, same sate I got another email attempting to collect the debt and asking me to review the account online to explore a variety of flexible options. Still they haven't knowledge my dispute or provide requested validation of the debt. On XX/XX/XXXX I was made aware by XXXX XXXX that a collection account was added to my report by Spring Oaks Capital , LLC, drastically affecting my credit score, so I went ahead and sent another letter by email and regular mail as a reminder that I was disputing the validity of the debt and again requesting evidence stablishing my legal obligation to pay the alleged debt. Today is XX/XX/XXXX, making 60 days of my initial request, the account still on my XXXX XXXX credit report, and they still haven't validate the debt.
Consumer complaint received 2022-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-20
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. (CA)

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 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 XXXXXXXX 15 UCC 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Experian REFUSES TO REMOVE 3 old outdated collection accounts. Date of first DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX XXXX {$1300.00} XX/XX/2016 and XX/XX/2016 {$780.00} XXXX and XX/XX/2016 {$410.00} XXXX  XXXX.
Consumer complaint received 2019-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: C.Tech Collections, Inc. (NY)

I got alerted this afternoon about change in my credit, through XXXX  XXXX, after checking, I found out that a derogatory message has been sent to my credit, I clicked on it and it was from XXXX XXXX XXXX XXXX, opened on XX/XX/2018, through a Collection company, name : C Tech Collection. 
This derogatory message was suprising because i was not informed, I was a patient of XXXX XXXX, and I gave the details of my health insurance, i wasn't informed that i have to make any extra payment, the payment was sent to my insurance, but according to the lady i spoke with today from the collection office, the insurance paid {$50.00} less than amount expected, Instead of the Doctor office to send me a message about the {$50.00} balance, no communication was sent, either through email, mail or Phone call, the case was given to collection office and the collection office never get accross or communicate the {$50.00} balance with me, am only getting to know for the first time today that my insurance paid short of {$50.00}, If there was no communication of any kind to inform me of the balance, how would i have known that i have a balance to pay, because payment between doctors and insurance are never disclosed with the patient, I totally disagree and dispute the derogatory message sent to my credit, I have never late in any of my payments and my record is there to show, I am ready to pay {$50.00}, even though i am just getting to know about it, but the derogatory message sent to my credit is very unfair and cruel. Thank you.
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 a account without my written instructions XXXX XXXX XXXX
Consumer complaint received 2022-04-20
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)

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose -XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose -XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-24
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)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (IA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.
Consumer complaint received 2022-04-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (FL)

In XXXX of 2021, I completed a Loan Modification with Loan Depot in which I accepted terms. 
On my XX/XX/2021 Billing Statement, I saw that numbers were being adjusted due to the Loan modification and waited to receive my XX/XX/2021 billing statement to ensure all adjustments were completed. My mortgage payment with escrow was supposed to be {$1600.00} a month. My XX/XX/2021 statement stated I owed {$6100.00}, confused as to why this amount was showing after a loan modification, I called in to verify on XXXX I spoke with an employee ( name and employee ID withheld but available for all communications with Loan Depot ) and stated that all she saw was due was the monthly payment of {$1600.00} and that because it was so soon after modification to allow time for adjustments. XXXX, XXXX, XX/XX/2021 pass with the same amount of {$6100.00} overdue. I call XXXX to find what it is and was told that they are Corporate Fees I return to look over my contract and see nothing that states Corporate Fees but there is an entry for XXXX XXXX which was financed into the loan in accordance with the contract. 
End Result- on XXXX XX/XX/XXXX, I sold the home and Loan Depot took the stated corporate fee amount that Was not apart or stated on the contract I signed. After XX/XX/2021, I continued to call back to settle the issue and was given the run around being switched from employee to employee with no resolution. All supporting documents are available upon request. I am requesting Loan Depot refund the so called Corporate Fee that was not an entry in the contract Loan Modification Terms and Modification Transaction Cost Due.
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

15 usc 1681 section 602 B states that I have the right for privacy 15 usc 1681 section 2 I also state the consumer agency can not furnish your account without my written um instructions XXXX XXXX XXXX Acct number XXXX XXXX XXXX XXXX Acct number XXXX XXXX XXXX  Acct number XXXX XXXX XXXX  Acct number XXXX XXXX XXXX  Acct number XXXX XXXX XXXX XXXX XXXX Account number XXXX Inquiries XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XX/XX/2021
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX and Equifax have not removed inaccurate data/inquiries from my account due to fraud. FTC Complaints made also. 

Can you please remove the following inquires below from XXXX, Equifax reports I have hired a professional company however the credit agencies are not compliant. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : EQUIFAX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-29
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. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I applied for a loan modification and a file was completed 37 days before the sale date. A representative from XXXX took a personal interest which was negative and denied the file while we were on the phone with him. He was stating there was one item missing. We called back the same day and sent the document to a supervisor who stated the file never should have been closed and she would try to reopened it, which she was unable to do. The representative who denied the file is XXXX XXXX XXXX he was very rude and denied the modification stating we were under 37 days, although this was not true it was day 38. We then filed a complaint against representative. The supervisor stated they will call me back to let me know if XXXX supervisor will reopen file and stated it was denied in error. Our complaint also stated to remove XXXX XXXX from the file. He was no removed. We went to court to have the court move the sale date which was approved and we submitted the loan modification a second time. XXXX XXXX failed to even open the file until after the 37 day rule had passed, making us ineligible for a review. This is unfair how one representative with a bad attitude and a need to hurt others should be allowed to make a decision that no one can fix. 

I then filed a complaint with the CFPB and the file was opened. A fast and incorrect review was conducting and I was denied within days as Rushmore stated I did not have enough income. My income was more then enough. My debt ratio was under 25 %. I explained to them that they left out half of my income in the file. I then sent an appeal which was denied days later because the sale date was " too close '' as the rep stated to me over the phone.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

On XX/XX/XXXX I purchased a Vanilla Gift Card for the amount of {$500.00} ( total of {$500.00} ). A few weeks later I gifted it to my sister to help her with her moving expenses. She then tried to use the card a few weeks after where she realized that the card has only a few dollars left in it. This was the first time she opened the card and tried to use it. Then she checked online for the balance and realized that the card has been previously used. Checking online we realized that someone had used this card on XXXX and made multiple purchases from XXXX and XXXX and now there is only {$2.00} left in it. 
Neither myself nor my sister have ever opened or activated this card before that day ( XX/XX/XXXX ). 
I contacted Vanilla customer service immediately on XX/XX/XXXX and opened a claim ( case ID XXXX ). I was told that someone will contact me within a few days but no one did. I contacted the support and they said I need to wait for 90 days. I waited for more than 90 days and then followed again, they escalated my case and told me that someone would contact me within 48-72 hours but no one did. I followed up 3 times like this and got the same answer and no one ever responded. I also emailed them a few time with no response. It's been more than 5 months and I still have NO resolution. I emailed them a few times and told them that I would open a claim with consumer protection agencies if I hear no response from them. Again no response. At this point it is evidence that they are not trying to help me and are not responsive to the issue they caused me due to their low security product that has cost me {$500.00}. I really appreciate your support here as I am not sure what to do and how to get my money back.
Consumer complaint received 2019-06-22
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: Byrider Franchising, LLC (AZ)

An automobile account listed under CNAC-XXXX XXXX on my credit reports is showing as charged off. This account is for a vehicle that was totaled. I was covered fully under my insurance at the time. The insurance said the vehicle was covered. When I spoke with JD Byrider/CNAC initially about the account, they also said the insurance would cover the remaining balance because it was totaled. Since then, CNAC has reported to the credit bureaus that there is still a balance owed and has since increased the balance. I do not have any agreements with CNAC-XXXX XXXX and am therefore not responsible for this account. This should be removed from my credit with all three credit bureaus. I reached out to CNAC numerous times to explain this to them and have told them numerous times that I am not responsible for this account. I am a XXXX veteran and I have tried to get this done for a few years now.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (MO)

The issue is causing me significant XXXX  and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (TX)

Switched providers from existing carrier to XXXX for a few days in XXXX XXXX. Service was extremely poor in my area that I switched back to original carrier. Contacted customer service a XXXX and they agreed to cancel my account and told me I had zero balance since I only had the service for 3 days. All 4 phones were ported back to original carrier. I continued to get monthly statements even though I had canceled the service. Several phone calls to XXXX including conversation with supervisors and they all agreed to zero the outstanding balance and that no payment was due. These call centers for customer service were all internationally based. I spoke to no Americans during my conserveration on the bill. I was reported to collections a few months later. Turns out that XXXX had a data breach and both my SSN and drivers ' license were compromised as well. 
XXXX turned in the fraudulent debt to collection agency " Receivables Performance Management ''
Consumer complaint received 2019-06-22
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. (NY)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2022-04-20
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: LEXISNEXIS (UT)

SOMEONE RENTED A APARTMENT IN MY GOOD NAME USING MY ID FRAUDULENTLY, FTC REPORT ATTACHED. AT XXXX XXXX XXXX XXXX XXXX XXXX