davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-11-13
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: Aura Mortgage Advisors LLC (MD)

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. My request for the correction and removable of the erroneous information about my account has been diligently neglected by XXXX and XXXX. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, the Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : AURA MTG ADR - XXXX
Consumer complaint received 2024-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

I previously filed a complaint about XXXX XXXX XXXX claiming I owe {$720.00} to XXXX XXXX XXXX XXXX The company is also listed as LVNV Funding LLC ( Current Creditor ). I need LVNV Funding LLC to remove my name from this debt, as it is not mine. I have never lived in XXXX  and have never started an energy account there. I am unsure if this is a case of identity theft or a scam, but it is affecting my credit report. My maiden name is being used on the account, which has not been my name for a decade.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

It has been a battle going through this and I am sending a complaint today to delete the following fraudulent 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 nor items. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that you immediately remove this information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

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

The Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

It has been a battle going through this and I am sending a complaint today to delete the following fraudulent information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor items. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that XXXX XXXX immediately remove this information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the item as soon as possible : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2021-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

XX/XX/2021 On this date, I noticed a collection on my XXXX XXXX account from a debt collector company Credence Resource Management, originated from XXXX XXXX XXXX in the amount of {$1000.00} XX/XX/2021 On this date on my credit karma account, i also noticed a collection from XXXX XXXX XXXX originated from XXXX XXXX XXXX in the amount of {$450.00} I called the debt collection company and they mailed an identity fraud package, which i am currently working on, i will be going to get an Identity Fraud Report from my local law enforcement agency on Monday I never used XXXX XXXX XXXX services, never received any calls or emails from them, i never lived in the address the account was opened.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

LVNV Funding LLC is illegally reporting debt associated with my name and social security number. I've previously requested that LVNV Funding LLC validate the debt by producing the original contract bearing my signature and they responded to my dispute without fully validating the debt. I do not owe for the debt that they are persistently pursuing to collect from me. And I am a resident of Illinois, which is a state that LVNV Funding LLC is not licensed to collect debt in. Upon a recent search at the XXXX XXXX XXXX XXXX ( XXXX  ) Consumer Access for their license to collect in Illinois, LVNV Funding LLC has no listed license to collect debt in Illinois. ( See attached XXXX XXXX XXXX XXXX )
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

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 XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ; XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) ; XXXX - XXXX XXXX ; XXXX - XXXX XXXX  XXXX ; XXXX - XXXX  ; XXXX - XXXXXXXX XXXX ; XXXX - XXXX XXXX  ; XXXX - XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) ; XXXX - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) ; XXXX - XXXX XXXX ;
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX. I am submitting this complaint myself and there is no third party involved. I do not agree with the companys response. I, the consumer, natural person, and original creditor, have a credit card, pursuant to 15 U.S. Code 1602 ( l ) and 12 CFR 1026.2 ( a ) ( 15 ) ( i ), that was used without my consent. If I received goods or services, have a senior executive certify under the penalty of perjury I in fact received goods or services as a result of these transactions in regards to FCRA 605B, 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( c ). Otherwise, I want these accounts deleted. I never told EQUIFAX or anyone to furnish anything on my consumer report. That is a violation according to 15 U.S. Code 1681b ( a ) ( 2 ), FCRA 604 ( a ) ( 2 ) permissible purposes of consumer reports. Furthermore, I am demanding compensation for the damages caused by the other accounts and inquiries. A deletion is admission. EQUIFAX is civilly liable for willful noncompliance according to 15 U.S. Code 1681n ( b ), FCRA 616. I am attaching documentary evidence and an invoice. EQUIFAX have 30 days to mail my check.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  Date Updated : XX/XX/2019
Consumer complaint received 2021-11-13
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. (GA)

I have contacted Equifax several times about the inquires and they are not removing even when I sent the FTC and they said it was a glitch and I had to resubmit.. This has happened several times
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (FL)

I deposited my employer payroll check on XXXX24 for my new SoFi checking account. At the time, it was said that I would have funds available on XXXX/24. On XXXX24 I received an unknown call from someone who said they were a SoFi representative asking me to verify personal information. I told the representative I did not feel comfortable answering questions, so I could call the SoFi number publicly posted. I called the number and spoke to a representative who verified my check deposit. Now my account is restricted. When I call, SoFi representatives can not tell me why its restricted or when it will be resolved. I am simply told its being reviewed by internet security team. Please help.
Consumer complaint received 2021-11-13
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)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (NC)

On XX/XX/XXXX, I made a large payment of {$760.00}. This payment went to the outstanding principal and interest as well as late fees as I was past due on the account/loan. This payment brought the account current. 

On XX/XX/XXXX, I made a payment of {$1000.00}. This payment went to the outstanding principal and interest as well as late fees as I missed a payment on XX/XX/XXXX. This payment brought the account current but was well in excess of what was owed. 

I was then charged a {$60.00} late fee for 'missing ' the next payment on XX/XX/XXXX even though on XX/XX/XXXX I had paid well in excess of what was owed which was enough to cover many future payments. 

On XX/XX/XXXX, I called to pay the loan off in full. I reviewed with a representative that there should not have been a {$60.00} late fee charge on the account because of the large payment on XX/XX/XXXX. After discussion, this representative agreed and the fee was removed. On this call, the payoff amount on XX/XX/XXXX was {$3000.00}. After the representative assured me the {$60.00} fee was going to be removed, it left a payoff balance of {$3000.00}. I paid this in full on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email letting me know about my next 'payment ' due XX/XX/XXXX. I emailed back explaining that I paid the loan in full. This is the response I received : XXXX Dear XXXX, Thank you for contacting Personify Financial. 

The payoff amount on XX/XX/XXXX was {$3000.00}. The {$3000.00} paid left a remaining {$60.00} that is required to be satisfied in order to close the loan. 

Please make payment arrangements for that amount. 

You can make a payment via the IVR option when you call or from your debit card by speaking with one of our friendly representatives or sending it by mail. A mailed payment may take up to 7 days for us to receive and process. 

Once we receive your check, we will apply it to your payment. If your payment is not sufficient to satisfy the required amount, you will be required to pay the remaining balance. If you decide to use this option, please mail your payment to the address shown below and include your loan number on the check. 

Personify Financial XXXX XXXX XXXX XXXX, TX XXXX _________________________________________________________ I want to hold this company accountable and start the process of creating a record of their fraudulent practices and giving me a false 'pay off ' amount and then continuing to try to collect a fee plus interest that was agreed would be removed - this was done on a call recorded by Personify Financial. I also recorded the call as it was a call to pay off in full the debt.
Consumer complaint received 2023-06-22
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. (CA)

I am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX, SC XXXX phone number ( XXXX ) XXXX. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone number XXXX. XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX phone number XXXX. XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX phone number ( XXXX ) XXXX, has violated my rights. 15 U.S.C 1681 section 602A states i have the right to privacy. 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnished a account without my written instructions.
Consumer complaint received 2021-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

This company is in violation of several FDCPA laws. I sent a validation debt letter and also a cease and desist to this company. this company is reporting false and inaccurate information on my credit report. the information that this company is reporting is unverifiable and inaccurate. I demand this company to stop reporting this inaccurate and false information on my credit file and to cease all forms of communication with me through any and all mediums.
Consumer complaint received 2024-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I want to reach out to Navient again because I am consistently getting calls and letters from them even though the statute of limitation on the student loan that they are claiming has already expired. The only time I should be contacted is if I have been summoned by the court. I have already sent them a letter notice through here not to contact me unless I am summoned but they are consistently contacting me. I have multiple voicemails saved on my phone where they are calling and making settlement offers on student loans that they claim and have written letters mailed to me offering settlement on student loans that they claim. The student loan that they are claiming the statute of limitation on has already expired so they need to stop making fake offers. I also want to update my address with them through here because it's impossible to talk to them about changing addresses from my past experience with them. They make fake jail threats and things of that nature. My updated address is XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. They need to stop sending mail to my previous address in XXXX. I am getting calls from my previous landlord to come and pick up the mail that these guys are still sending. I also need them to admit here in their response that the statute of limitation on the loan that they are claiming has already expired and they are legally obligated to mention that before they send me any of their settlement offers ( They shouldn't be sending me offers at first place without mentioning that the statute of limitation of the loan that they are claiming has already expired ). If they are consistently doing this I am filling a lawsuit against them for fraudulent activities.
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I must inform you that I have been a victim of identity theft. I am disputing the following accounts as they were opened without my knowledge, consent, or authority. Upon contacting the respective companies, I was advised to file the FTC affidavit available on the website identitytheft.gov. 


PORTFOLIO RECOVERY XXXX-XXXX  and PORTFOLIO RECOV ASSOC XXXX.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (IN)

XX/XX/2023 I scheduled a payment from my XXXX  account ending in XXXX towards my discover credit card in the amount of XXXX. On that same day I deposited XXXX into my XXXX  account as well to cover all my monthly bills. I received a notification to my email about both the deposits and when Discover withdrew the XXXX from my XXXX  account ending in XXXX. In XXXX I received a message from Discover stating they never received the payment from XX/XX/2023 however, they also sent me a notification during that time period of my payment being posted. I started a dispute but they not only denied my claim but messed up my credit report by furnishing the account without my consent
Consumer complaint received 2021-11-13
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I signed up for a covid test at an XXXX airport for XX/XX/2021 when i planned to visit XXXX. There was no mention of a cancellation policy anywhere during booking. However, travel laws changed and I cancelled the test on XX/XX/XXXX. The company refused to refund the money, despite not using the services and cancelling almost 2 weeks prior. I disputed the charge as I never received the services and cancelled. Bank of America refused to do anything saying it was not fraud. At no point was there any mention of a cancellation policy and the bank needs to protect its customers from duplicitous companies.