davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (OH)

I am submitting this complaint to address the handling of multiple credit report entries by LVNV Funding LLC. 

Account Details : Account # XXXX : XXXX Account # XXXX : XXXX Account # XXXX : XXXX All accounts have been written off by their respective original creditors and subsequently sold to LVNV Funding LLC. I am seeking the removal of these entries from my credit reports, as they have been settled and should no longer negatively impact my credit score. 

I request that the CFPB investigate these entries and facilitate their removal from all major credit bureaus to ensure the accuracy of my credit information. 

Thank you for your attention to this matter.
Consumer complaint received 2024-04-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc. (TX)

I am writing to urgently request your assistance in rectifying a severe issue affecting my credit report. My name is XXXX XXXX, and I am deeply troubled by the presence of a fraudulent account that has been erroneously reported by Nelnet or the relevant student loan company. 
The crux of this matter revolves around a purported promissory note associated with this account. However, I want to emphasize that I have never signed nor provided any information for the creation of such a document. There is no record of my electronic signature or any associated IP address to authenticate any alleged digital signing process. Furthermore, the borrower information listed on the document, including an incorrect phone number, does not match my own. 
Given these circumstances, it is evident that there is no accurate promissory note or official instrument of indebtedness associated with this account. Therefore, I am formally requesting the immediate removal of this account from my credit report. The presence of fraudulent information not only undermines the integrity of my credit history but also has the potential to inflict significant harm to my financial well-being. 
I implore the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure the expeditious removal of this fraudulent account from my credit report. It is imperative that swift action is taken to mitigate any further damage to my credit standing. 
I am prepared to provide any additional documentation or information necessary to support my claim and facilitate the prompt resolution of this matter. Your prompt attention to this urgent request is greatly appreciated. 
Thank you for your understanding and assistance in addressing this pressing issue. I eagerly await your response and the swift resolution of this dispute. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-02-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-15
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-02-23
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. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (KS)

XXXX XXXX is saying this bill was never paid. I show it was paid. I can not get either XXXX of the credit card companies to explain why this is showing its paid but I am still getting billed and my credit rating is being impacted by the negative reporting.
Consumer complaint received 2022-09-29
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. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-06-27
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There are multiple inquiries on my TransUnion credit report that I do not recognize. I have notified TransUnion in writing of the unrecognized inquiries and they responded with a letter telling me to contact the companies who received my credit report to find out if they opened an account in my name and that they can investigate and determine it was fraudulent. I do not know who the companies are that accessed my credit report but I know that they did not have my consen or permissible purpose.. The other two credit bureaus ( XXXX and XXXX ) did not report those inquiries. TransUnion is willfully and knowingly in clear violation of the FCRA amongst other federal regulations and statues. TransUnion is taking advantage of the consumer laws by dismissing my dispute without investigation! This problem has caused me much stress and XXXX  and has had a negative impact on my life. 
The second issue with TransUnion is an account that is reported as a collection on my account that I do not recognize. I wish to see the original contract with wet signature of mine. It is an alleged debt of over {$4000.00}. I demand to have this account removed from my credit report. I have disputed this account and never even received a letter back from TransUnion or notification of an investigation. I do not wish to have to seek counsel regarding these matters but it looks as though I may have no other choice.
Consumer complaint received 2023-02-21
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. (MN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency May make an 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 2024-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On approx XX/XX/XXXX I sold XXXX XXXX, via XXXX XXXX XXXX, a set of XXXX art work. Multiple hand carved wood figurines, mailed the package to XXXX XXXX, I was to get paid through XXXX XXXX, I did not have a current bank account attached, so on XX/XX/XXXX, funds were given to old Chase account, funds removed on XX/XX/XXXX. I am not savvy at technology, so later I found out my old account was linked. I added my husbands XXXX XXXX for payment. I had emailed XXXX support XXXX with no response. Foolishly, I XXXX  XXXX support, got connected with scammers. I was on the phone with them for approx XXXX hrs where they had me upload XXXX XXXX desktop center software, unknown to me, they could see my accounts as we spoke. This was XX/XX/XXXX. 
We first went to XXXX, some how, all this was to get them to give me my {$94.00} I had coming. Then my XXXX XXXX, CASH APP, which they told me to request {$1500.00} from my XXXX, XXXX, see screen shots. The XXXX withdrew the {$1500.00} at XXXX XXXX  on XX/XX/XXXX. I grew increasingly confused as time went by, they asked me to purchase gift cards at XXXX, see XXXX screen shot. I got wise at this time, and my husbands help, disconnected contact. I didn't read off the numbers on the gift cards I purchaed or they would have had the additional {$900.00}. 
Horrified, I called XXXX XXXX XXXX, and went to branch, they instantly, credited me my money back, only to take this back on XX/XX/XXXX, see XXXX. Cash APP, refused my claim, # XXXX. XXXX Police Dept was contacted, XXXX # XXXX XXXX, XXXX XXXX, documented event. I called, emailed XXXX XXXX XXXX, and reported event, i went to branch also to report. 
XXXX card, was contacted. CASH APP x3 after denial of any assistance. I am on XXXX, this is my money to live on, this is a hardship for myself, my family. 
XXXX XXXX XXXX XXXX ID XXXX. 
US Postal service reports that the item was delivered, I reached out to XXXX XXXX, she would not respond to my questions on payment, or if she received the items. 
No response to my multiple emails to XXXX XXXX XXXX. I hope the screen shots delineate the sequence of events decently. 
XXXX allowed me to cash out the gift cards for cash, which was wonderful. 
On XX/XX/XXXX, I called Cash APP, fraud line, spoke with XXXX, reporting, I was contacting you, making a Claim, could they help me? XXXX, reported they could not.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Requested on XX/XX/2024 withdrawal of {$7500.00} deposit I made in error to my XXXX account at Citibank XXXX XXXX XXXX ( XXXX XXXX, TX ). 

As of XX/XX/2024 Citibank had received all required documents, confirmed to me by Citibank customer service in call on XX/XX/2024. 

I called Customer Service again on XX/XX/2024, and they confirmed again that all documents were in order. 

I still have not received withdrawal, which I asked to have credited to my joint checking account at Citibank. 

I will be subject to XXXX penalty if not withdrawn by XX/XX/2024, which I informed Citibank.
Consumer complaint received 2022-12-17
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)

Equifax announced a data breach that exposed the personal information of 147 million people. I am a victim of identity theft as a result of the Equifax data breach. 
This data breach has caused my information to be released on the dark web and is hindering me from moving forward with anything credit related ( i.e establishing new credit, buying a house/car, getting utility bills, etc ). My information was incorrectly used which is a violation of my fcra rights.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (NY)

I stated at the XXXX XXXX XXXX overnight Sunday, XX/XX/year>. They submitted a charge of {$100.00} for incidentals. When I checked out they released the charges. They even provided me with the approval number ( XXXX ) and the reference number ( XXXX ) given to them by Cash App ( Block Inc ). 

The {$100.00} was not released I called Cash App several times. I was hung up on twice, the third time they person told me is I send her the hotel receipt on the hotel letterhead showing a XXXX balance on it she would release the {$100.00}. I also attached the above Approval Code and Reference Number. 

After she received everything I was put on hold for XXXX minute, then told it would take up to 31 days to get it back. She would not allow me to talk and hung up on me. 

I called again to make a complaint. They would not allow me to speak with a supervisor or the complaint department.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Account # XXXX Source of dispute information : XXXX XXXX XXXX Date Associated with Late Payment : XX/XX/2020 This account is now closed. However I noticed XXXX late payment that is erroneous. 

This item is innaccurate because the CARES Act provided protection to consumers who were negatively affected during the XXXX pandemic. The XXXX late payment occurred during a forbearance period and according to this ACT, the creditor allowed me to temporarily pause my payment. 

This adverse information has been incorrectly added on my credit report. 

Please reinvestigate this matter and remove the negative payment history from my credit history. 

Thank you for your assistance.
Consumer complaint received 2022-12-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

In XX/XX/XXXX, I was notified that the in-school deferment of both of my loans serviced by Navient would expire at different points in XXXX. I knew that this information was incorrect according to previously agreed upon terms of those loans, I was eligible for 48 months of in school deferment. In school deferment for both loans were first applied in XX/XX/XXXX and therefore should not expire until XX/XX/XXXX, without even considering a grace period. 

From XXXX to mid XXXX, I have contacted Navient in every means possible to try to update and correct this information. They have failed to do so. But over the course of several months, they have offered a variety of different reasons why they are unable to look further in this matter. Several times, I have been told that the reason for upcoming expiration is because in school deferment had been used under a previous loan provider. This is not true. So I have asked for evidence of their claim. They are not able to provide any. 

At one point, I requested the documents to them by the previous loan provider. They did send this to me. It is clear based on those documents that they have access to, that there was never in school deferement applied to the loans prior to the date that Navient started servicing the loans. They also, likely have access to the original promissory document that stated that I agreed and started paying back the loans immediately when they were disbursed the only other time that I was in school from XXXX to XXXX. 

For some reason, Navient is under the impression that when I was originally in school prior to XXXX, I had in school deferment applied to my account. I did not. Perhaps this is an human error that has happened somewhere over the years but since this has been pointed out nearly 90 days ago, Navient has been unwilling to rectify this issue. 

The documents that I attached are a portion of the batch of of files that Navient sent me. They are the previos lender account history. The months attached reflect the only other time that I was in school XXXX to XXXX and it is clear in these documents that I has being billed and paying my student loans. In school deferment was not applied to my account then.
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (FL)

Dear Sir/Madam : I have written several request of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : Ability Recovery Service Opened XX/XX/XXXX + Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act,  Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from MY credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX