davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF FINANCIAL INC / LEA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear SELF FINANCIAL INC / LEA, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to credit card debt from approximately four years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request.

As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication.

Please provide the following information : The original creditor 's name and contact information. 
The original account number and the date the account was opened. 
The total amount of the debt, including any interest and fees that have been added since the last payment. 
Documentation showing that you are authorized to collect this debt. 
Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. 
I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations. 
Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-09-26
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-08-02
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. (CA)

Over the past 1 year, I have been dillegently demanding proper validations of the following accounts : *XXXX  XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX I have NOT been provided the mandatory validations of these accounts which includes : * Signed and dated contracts from the above mentioned accounts * locations where these accounts were allegedly opened, representative name and contact information who opened these accounts * complete account numbers * account balances, opened closed dates These allegations are damaging my credit and causing me distress and loss of employment due to its adverse affects. 
I am a victim of identity theft in addition. 

This bureau is violating : * FCRA 611 ( 15 U.S.C. 1681 ) * FCRA 623 ( a ) ( 7 ) *FCRA section 1681c *FCRA 611 ( 5 ) ( a ) * FCRA 609 ( a ) ( 1 ) ( A ) * section 611 ( a ) ( 1 ) ( A ) I demand that these accounts be deleted immediately. Otherwise I will have no chose but to persue legal action immediately under ( Section 616 & 617 ) if you fail to comply with the FCRA. 

I have several receipts for my USPS certified mailed, notarized affadavits to this bureau demanding complete validation of these allaged accounts as well as stated that I am a victim of identity theft and that these are not my accounts. 

They have refused to validate or delete these adverse accounts/late payments from my reports. 

You are required to have a copy of the original creditors documentation on file, according to the FCRA. 

Simply sending me a generic response stating " account updated '' is not validation. 

Signed, Distressed Consumer, XXXX XXXX
Consumer complaint received 2019-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MN)

LVNV Funding is trying to collect a debt for me that I do not all they are using a company named Resurgent Capital to do so. I have contacted them by mail letting them know that this date is not mine I have been a victim of identity theft on multiple occasions and I have forwarded them my Federal Trade Commissions report. They are reporting the debt on my consumer report which is affecting my creditworthiness and livelihood. I have done everything in my power to prove to them that I did not initiate any debt but they will not stop at trying to collect at this point I dont know what to do. 

LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX or XXXX XXXX XXXX XXXX # XXXX XXXX South Carolina XXXX
Consumer complaint received 2022-07-07
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. (TX)

XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX  - No documentation of this its false needs to be removed XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 XXXX : It also states the consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-11-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (NY)

I was using a myvanilla card for my ex-pats NY state. They will not release my funds. I am on Social Security disability. The finds will not be released after I have submitted a copy of my drivers license and signed social security card. I had a friend put cash on the card and they will not release the funds after I called them twice and submitted the requested documentation twice. My name is XXXX XXXX XXXX. I received an auto-response email both times I submitted my claim. Now I am receiving notices from XXXX because they won't release my money. The first call was made on XX/XX/XXXX the second XX/XX/XXXX. I don't understand how I used cash money and they can refuse to release my funds. If I can no longer use their service fine but return my money. I can be reached email : XXXX or XXXX.
Consumer complaint received 2022-09-26
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX CT XXXX, NC XXXX XXXX/200 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2019-11-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

In early XX/XX/XXXX, I filed a complaint against Navient because they refused to lower my monthly payments, even though my wife and I both have student loans to pay back and we have other bills we have to pay. Navient responded a few weeks ago, stating that they could not lower my payment and the calculations are correct that my monthly payment is around {$270.00}. I went to pay my student loan for this month, and my payment is now up to over {$300.00}. This is absolutely unacceptable and ridiculous. They swear up and down that the calculations are correct, and yet they raised the payment amount. This is fraudulent and criminal.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion is lowering my credit score based on FALSE INFORMATION. They are reporting a score of XXXX, which is 67 points lower than my XXXX score of XXXX based on the same information in my file. 

I am disputing the following negative factors that Transunion is basing my score on : 1. They are lowering my score based on inaccurate claims that I am " adding and removing remarks '' to my mortgage account XXXX/XXXX XXXXXXXX. I have NEVER made nor removed any remarks on this account. ( See Attachments A, B, C ) 2. They are lowering my score by claiming that the car loan I opened in XX/XX/2019 " Is negative since I've only had it a short time ''. This has nothing to do with creditworthiness. They do NOT acknowledge that I have paid off 53 % of this loan already, which is a POSITIVE FACTOR to do with creditworthiness. 

3. Transunion is lowering my score by claiming that a {$500.00} balance on my credit card which has a credit limit of {$9300.00} is " using a large portion of my credit ''!! I am only using 5 % of my credit limit. This is a POSITIVE, not negative factor! 

4. Transunion is lowering my score by claiming I have ONE hard inquiry for the auto loan which should equal no more than 5-7 points off my score 5. Transunion is lowering my score by suddenly claiming my Credit History is only 4 YEARS, when it is 29 years old. 

NONE OF THESE SO-CALLED NEGATIVE FACTORS JUSTIFY A 67 POINT DECREASE FROM MY OTHER CREDIT SCORES! The ONLY legitimate negative is one hard inquiry, which does not justify a 67 point drop. 

Attachments : A - XX/XX/XXXX point drop based on " remarks made '' which were never done B - XX/XX/XXXX point increase based on " remarks removed '' which were never done C - XX/XX/XXXX point drop based on " remarks made '' which were never done D - FICO scores for XX/XX/2019 from XXXX ( XXXX ) & XXXX ( XXXX ) E - Transunion FICO score for XX/XX/2019 showing XXXX and showing 4-year credit history which should be 28 years Information retrieved from a credit monitoring site shows I have No Negative Factors in my credit reports. It also shows that Transunion 's records show my credit history to be over 18 years. Transunion is fabricating negative factors that do not exist and denying me the high score I deserve based on my near perfect credit factors. 


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Consumer complaint received 2019-11-03
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. (MI)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2019-11-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (OH)

I took out a {$300.00} payday loan in 2018. I had no idea that the interest rate would put the amount owed to almost {$2000.00}. I can make arrangements to make payments on the amount that I borrowed but the extra {$1500.00}, is impossible for me to pay. I am a XXXX XXXX XXXX XXXX  veteran who is XXXX XXXX XXXX XXXX so being on a fixed income, this extra is impossible and seems to be illegal. Isnt there a cap on the amount of interest a company can charge. Help me please. The originator of the loan was Speedy cash now XXXX XXXX has taken over. Any help is appreciated. Thank you
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

Bought a new car from Santander consumer USA as financing company. The car was taken by the city of New York for {$350.00} parking ticket. When I decided to payoff the ticket, the ticket amount was increased to {$3500.00} out of desparity. I called Santander consumer USA and made an arrangement to pickup the car for the {$350.00} which was XXXX and reasonable. Santander and I agreed that they will void the financing agreedment in place and I have to buy the car back at the same prevailing price as a repurchased. That, the original contract will be voided without any commitment. And, a new contract will be executed moving forward. They got the car from the city of New York and I signed and sent back the current attachment. The term was, pay {$150.00} on XX/XX/16 pick up the car with same amount. A new purchase contract was never provided as required by Federal Truth in a Lending and Billing Disclosures act. I had issued a check that the bank had returned with put any reasons. Santander consumer USA stole the  car from my driveway the same day without any legal warning or been inform by return check. I would have provided an alternate payment and I had overdraft protection with my bank. The Federal law states that I have sixty days to dispute a debt. The original contract was voided and a new executed contract attached was provided which I signed and perfected to. There was no repossession clause and late payment.
Consumer complaint received 2017-06-02
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. (ND)

The credit bureau is reporting that I owe {$410.00} for an account under the name "  XXXX    XXXX     XXXX    XXXX   XXXX   ''. My report shows that it was opened in  XX/XX/XXXX  with an account number of "  XXXX  ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous t imes ( si nce  XX/XX/XXXX   ) only  to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.
Consumer complaint received 2019-11-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am requesting for the many hard inquiries associated with Capital One Banks, credit line of increase to be deleted off my credit report. As they have admitted to having technical issues due to this overdraft line of credit that I have applied for and was approved on XX/XX/XXXX. I was told by a representative and also the security department after verifying my identity, that the overdraft line of credit should work. I proceeded to continue online with the process and the system pulled my credit again. Which added another hard inquiry. I called in again and spoke with the security department and I was told the security restriction was released after verifying my identity again. I proceeded to continue the process and I received another alert that my credit report was pulled again by this bank. Each time being approved but not being to access it. This issues is not my fault and after waiting several weeks this issue is still not fixed. So I am requesting for the overdraft line of credit increase to be cancelled due to the inconvenience and any hard inquiry associated with this credit line of increase, to be deleted off my credit report with XXXX. Attached is a document of how many hard inquiries are showing on my credit file. A previous dispute was filed and I was told this company would respond by XX/XX/2019.
Consumer complaint received 2022-03-22
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: Experian Information Solutions 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 us 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 .This 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 n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2019-06-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All State Credit Bureau, Inc. (MI)

your law firm is in violation of the fair debt collection practice act, and that violation robs the court of jurisdiction in this action against me. Any further drama in court over this matter will place the court, and the Judge in a position to share the civil liability with your unlicensed debt collection law firm. The fair debt collection practice act mandates debt collector law firms must have a license to collect debts, they must have a bond, and they must be registered with the Attorney General for the State they are attempting to collect in. Your law firm does not meet these legal requirements necessary to lawfully collect a debt in my State, and therefore has no legal authority to harass me. 
The fact this debt was charged off the original corporations books, claimed on their taxes and written off as an insurance loss gives rise to the appearance of R.I.C.O. The contract in dispute was not with your debt collection corporation, and therefore you have no legal standing to collect.
Consumer complaint received 2020-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (NV)

Canceled my XXXX account and returned the equipment as required. Was contaced by XXXX and was told my account would automatically renew without my consent, and at any rate that they decide to charge. They claim that I has a contract with them, and if that was true ; that changed the terms without my consent. That doesn't sound like a contact to me