davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (GA)

I have received a letter dated XX/XX/2019, from Resurgent Capital Services, on behalf of LVNV Funding LLC, I want them to stop contact me using any communicating no matter what state they decide to/or doing business in and I dispute the {$850.00}, LVNV Funding LLC last attempt was in XX/XX/2019 at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX, I provided his office with a dispute letter and a list of items for verification of the debt {$850.00} and it has been past 30 days and his office has not provided me with anything. after several weeks went by I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX, and ask about the debt verification letter I sent and his office has informed me they are no longer representing LVNV Funding LLC in this matter. I called Resurgent Capital Services and asked was they same people sending me a letter from XXXX XXXX XXXX XXXX Mi XXXX and Resurgent Capital Services office said that was not them. I said that XXXX search and online court documents pointing you are the same people from XXXX SC Resurgent Capital Services office told me that they can not speak to me because A cease and desist on my account and I need to give them permission to remove it and I said no I will not remove the cease and desist I also contacted the State of Michigan, XXXX XXXX and Regulatory Affairs who informed me that Resurgent Capital Services are do business in Michigan as a collection agency and used XXXX SC as a contact the same address is on my letter. LVNV Funding LLC, have tried ever harassment technique to communicate with me through different collection agencies each of them was unable to verify the debt this has been going on for about 1-2 years I will no longer entertain Resurgent Capital Services and LVNV Funding LLC and the collection agency it hires. The address on the XX/XX/2019 letter has XXXX XXXX XXXX XXXX MI XXXX and XXXX XXXX XXXX XXXX SC XXXX and Resurgent Capital Services customer service representative said they was not the same people I would like to file a complaint with the The Consumer Financial Protection Bureau
Consumer complaint received 2019-07-24
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: Southern Auto Finance Co (TX)

I have a loan with SAFCO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SAFCO with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I have submitted a completed application for an Income Driven Repayment plan to Navient twice on XX/XX/19 and XX/XX/19. I have also submitted proof of income, submitted a complaint to XXXX  and emailed Navient Customer advocate. Most recently, XX/XX/19, I received an email from Navient stating my application for repayment could not be completed due to missing pages but they did not specify which pages were missing. I completed all pages of the application requiring completion, name, signature and social security number. I am confident Navient is intentionally delaying processing my REPAYE application because I have a standard payment due soon. In the past, they have neglected to assist me in attempting to repay my loan with lower payments which has forced me into deferment or forbearance. They consistently make up excuses about my completed IDR applications.
Consumer complaint received 2019-03-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CO)

Keep reporting a payment past due and has never been late. Put all kinds os fees on here and turned it over for Forclosure. Then got stuck with all the Forclosure fees, when this should of never happened in the first place. Never missed a payment with Chase.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WV)

On Saturday XX/XX/XXXX my card was used over {$1700.00} fraudulently. I lost my card and did not realize it until these transactions occurred. I contacted chase to file a fraud case. On Monday XX/XX/XXXX not even a full business day, my fraud case was closed with No investigation no nothing.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX 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. 15 U.S.C 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 2019-07-26
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: EQUIFAX, INC. (GA)

Please know that I was not late on XXXX XXXXXXXX XXXX .. I wonder why Equifax report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2019-07-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (NC)

I purchased and 2010 XXXX XXXX from JPMorgan Chase for my daughter in college. While paying for that car, I began to struggle and I called Chase. Chase helped me by putting one of my car payments at the end of the loan. The last payment was XX/XX/XXXX. So, being that that payment was put at the end of the loan, my last payment date would be XX/XX/XXXX. After XX/XX/XXXX, I received calls to make my payment. I asked one of the representatives could I pay that last payment XX/XX/XXXX and I was told " yes. '' I also made that representative aware that I was working extra time and she assured me that I would be fine. So I paid that last payment of {$190.00} on XX/XX/XXXX. The following month XX/XX/XXXX. My credit score dropped tremendously. I found out that I was reported by Jpmorgan Chase for being 30 days late on my final payment of my auto loan. Upon calling Chase the representative was so rude and not trying to help me, so I then filed a dispute with the credit bureau. After around 30 days, I received a letter stating that my credit report was accurate.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The credit card issued to me by the XXXX had a remaining balance of XXXX in XXXX of XXXX. The credit union was reporting the balance due as XXXX. I paid the balance in full on XX/XX/XXXX. I called the credit union several times over the following few weeks regarding the account still showing to have a XXXX past due balance. I was told that I would have to dispute the charges on my credit report before anyone at the credit union would correct the info being reported. I disputed the info. The credit reports were changed to properly reflect a XXXX  balance. Fast forward a few weeks. The credit union has again reported that I have a XXXX past due balance in my credit card. I have attached two emails that I received showing that the account is paid in full. I'm trying to buy a house. This incorrect info is hindering my ability to get funded.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (AZ)

I AM A CONSUMER. This account is reporting fraudulently on my credit report. This company never sent me a XXXX cancellation of debt form for this account which is against consumer law. I want this account to be removed immediately as I will send an affidavit to all parties involved if its not removed. This account is causing me stress, damage, Defamation, and anxiety.
Consumer complaint received 2019-07-24
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (VA)

I have not received anything from this debt company called Converse   but it was added to my credit report on XX/XX/2019 in the amount of {$1400.00} being owed to them. However, that amount was sold by the original creditor, XXXX University, to a debt collector named XXXX XXXX XXXX which appeared on my credit report in XX/XX/2019. The same amount is owed for the same original debt to two collectors. I have not received any written mail from either companies and have not reached out.
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX IS REPORTING LATES INACCURATELY ON ALL THREE CREDIT BUREAUS.THE ACCOUNT NO. IS XXXX.ALL 3 BUREAUS HAVE VASTLY DIFFERENT REPORTS YET ALL 3 BUREAUS VERIFY THEM AS ACCURATE.I have attached credit reports pulled within the last week for proof. 
The problem stems from the XXXX pay online site, the auto-pay, and the security systems of my banks who have systems in place to claw back large pymts. made on-line to XXXX.The vast majority, almost all the late payments can be attributed to this system.XXXX and XXXX have been the only co-operative bureau.Even though the XXXX dollar payment is large I earn enough to handle 6 payments or 6 cars.The problem is the banking system that recognizes legitimate payments as possible fraud and asks them back from XXXX and XXXX gives them back and destroys my payment history.I would like my payment histories removed or altered to reflect the fact of the on going banking security problem that I have nothing to do with or are notified about in a timely way to avoid the late payment history.The FCRA entitles me to fair and accurate reporting, yet looking at the attachments here you can see that that does not occur.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00}
Consumer complaint received 2023-01-12
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: FirstPoint Collection Resources (NY)

I reviewed my credit report and I see data being reported about me from Firstpoint Collection Resources. I never gave Firstpoint Collection Resources permission to receive my data nor to furnish it to consumer reporting agencies. Please remove this information immediately.
Consumer complaint received 2022-01-12
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. (PA)

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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Receivables Management Partners, LLC (IN)

XXXX XXXX  XXXX is trying to collect a debt that they say that i owe but my insurance paid it and i dont no why they're trying to collect a debt and they are violating Hippa because they shared my information with some other party and they didn't even send the hippa transcript as well so I demand that you all delete this from my account
Consumer complaint received 2022-10-05
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. (CO)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S. Code 1681 section 602 states I have the right to privacy. 15 U.S. Code 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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.
Consumer complaint received 2022-05-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX, I reached out XXXX  to closed services towards credit building because the company advertised if used your credit score will now then increased. However, this wasn't the case. XXXX reported to the Credit agencies on XX/XX/XXXX when it was supposed to be reported on the XXXX of each month according to their policy also I haven't owed them {$40.00}. XXXX offered a self credit building option where you can use a safe credit credit building where consumers would have the option to automatically transfer funds from checkings to fulfill any amount owed if any balance accord. However I didn't have any balance owed because I transferred XXXX towards the beginning of that month. When XXXX reported to XXXX  my credit scored plummeted 48 points. XXXX never mentions consumers credit score have a chance of decreasing if used their services during reporting. I have called XXXX to close the account and requested to delete the account from XXXX and stop reporting from any other Credit Agencies such as Equifax and XXXX. Afterwards I dispute the information with XXXX XXXX. After disputing with TransUnion the account Still Remains on my credit report which doesn't give me accurate reporting not did the Credit Reporting Agency restored the 48 points that were lost despite telling them of my circumstances. After closing the account and no longer using their services XXXX still Goes forth with reporting to Equifax and XXXX  despite if the account is no longer open several days, after.
Consumer complaint received 2016-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN INTERNET MORTGAGE (MN)

AimLoan.com is quoting ultra low rates that do not quote ARM or any other of the required verbaige From : AimLoan.com XXXX XXXX : XXXXXXXXXXXX XXXX Sent : Wednesday, XXXX XXXX, 2016 XXXX XXXX Subject : AimLoan.com Rate Watch Notification This is your mortgage rate update from AimLoan.com. These interest rates are accurate as of XXXX XXXX, 2016. 
30-Year Fixed Rate 3.625 % with XXXX guaranteed points and {$0.00} lender credit 3.75 % with XXXX guaranteed points and {$0.00} lender credit 3.875 % with XXXX guaranteed points and {$660.00} lender credit 4.0 % with XXXX guaranteed points and {$2900.00} lender credit 4.125 % with XXXX guaranteed points and {$5000.00} lender credit 4.25 % with XXXX guaranteed points and {$5200.00} lender credit 20-Year Fixed Rate 3.25 % with XXXX guaranteed points and {$0.00} lender credit 3.375 % with XXXX guaranteed points and {$0.00} lender credit 3.5 % with XXXX guaranteed points and {$0.00} lender credit 3.625 % with XXXX guaranteed points and {$930.00} lender credit 3.75 % with XXXX guaranteed points and {$2500.00} lender credit 3.875 % with XXXX guaranteed points and {$4000.00} lender credit 4.0 % with XXXX guaranteed points and {$5200.00} lender credit 15-Year Fixed Rate 2.75 % with XXXX guaranteed points and {$0.00} lender credit 2.875 % with XXXX guaranteed points and {$0.00} lender credit 3.0 % with XXXX guaranteed points and {$0.00} lender credit 3.125 % with XXXX guaranteed points and {$1000.00} lender credit 3.25 % with XXXX guaranteed points and {$3300.00} lender credit 3.375 % with XXXX guaranteed points and {$4800.00} lender credit
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. Accounts to be removed : 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 2023-01-13
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. (CA)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be updated and corrected. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected accordingly : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Debt Holdings, LLC (TX)

I have received many calls, at all times of the day plus yesterday at night from company claiming to be XXXX XXXX XXXX, representing XXXX XXXX XXXX or XXXX XXXX, alledging that I was attempting to commit fraud for a debt that was discharged in chapter XXXX bankruptcy. 

This company has violated the FDCPA as they are attempting to sue for a debt they claim can not be discharged in bankruptcy. 

This company should cease collection activity or I will sue for defermation plus other FDCPA violations. 

This company gave me a bogus claim number XXXX. 

This company will not give any information about itself. Other than name, address only phone number are online. 

This company has my personal information plus other family members of mine. 

This company also contacted 4 members in my family over a debt that was discharged more than once, this is a violation.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX ACCOUNT In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX, has violated my lawfully federal protected consumer rights of privacy and confidentiality under 15USC1681 15USC1681 sec 602A says I have the rights to privacy 15USC1681 sec 604A sec2 says a consumer reporting agency can not furnish a account without my written instruction I told XXXX XXXX XXXX XXXX and Equifax to re-investigate this account : XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also, There are several Inaccuracies on account starting with Date of Last Activity and lets not forget that they never gave me my 1099-C that they filed for this XXXX XXXX charge off on this account.