davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
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: ALLIANT CREDIT UNION (DE)

I am writing to file a formal complaint against Alliant Credit Union regarding their handling of my auto loan account, [ Account Number : XXXX ], and their unlawful reporting practices to consumer credit agencies. I demand immediate action to rectify the situation in accordance with consumer protection laws. 

1. **Unlawful Reporting of Charged Off Auto Loan : ** Alliant Credit Union has unlawfully reported my auto loan as charged off, resulting in severe damage to my credit score. According to both federal and Delaware state laws, a creditor must adhere to specific guidelines when charging off an account. The Fair Credit Reporting Act ( FCRA ) clearly outlines that charged off accounts must be reported accurately and fairly. However, Alliant Credit Union has failed to do so by prematurely charging off my auto loan without providing proper notice or adhering to the necessary procedures. 

2. **Failure to Provide Form XXXX for Charged Off Accounts : ** Additionally, Alliant Credit Union has failed to provide me with a Form XXXX for the charged off account, as required by federal law. The Internal Revenue Service ( IRS ) mandates that creditors must issue a Form XXXX for any canceled debt exceeding {$600.00}. By neglecting to provide this essential documentation, Alliant Credit Union is in direct violation of federal tax laws. 

3. **Lack of Power of Attorney Over the Vehicle : ** Furthermore, Alliant Credit Union never possessed a power of attorney over the vehicle associated with the auto loan. According to Delaware state laws, a creditor must have proper legal authority, including power of attorney, to undertake repossession or take ownership of a debtor 's vehicle. Alliant Credit Union 's failure to establish such authority calls into question the validity of their actions regarding the auto loan account.
Consumer complaint received 2021-11-29
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: Santander Consumer USA Holdings Inc. (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2020-10-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

During the past year I have been attempting Dispute unfamiliar items on my credit report in my dispute I asked for a method of verification on every single account/Trade line/item I have not received the proper information from any of the credit bureaus Trans Union XXXX  and XXXX I spoke to one manager at Trans Union and he told me that we already sent the information and I told him no you did not you sent me a letter with blank pieces of paper on it Then he told me it is 2020 and everything is digital now so we verify it electronically and thats it That is not with the fair report in credit act says You have to verify the dates who you spoke to how you communicated with them what was their response what you communicated with them how do you retain your files The other two credit bureaus did not respond to my request at all and it is my right to have the method a verification Also all three credit bureaus are guilty Of when I correctly dispute an item and give them substantial proof on why the item is not valid on the report they just say that it is verified For example on all three credit bureaus they said that they verify bankruptcies by XXXX before I disputed I wrote the court on which the bankruptcy is CLAIMED to be with And asked them did they verify Bankruptcies with third-party creditors Such as XXXX  Trans Union and XXXX XXXX  they wrote me back and said no they do not as clear as day it says on two of my reports that they verify the bankruptcies with XXXX  XXXX  I sent them a letter that the court sent me saying that they do not do this and they wrote me back the bureaus and said oh its verified
Consumer complaint received 2016-03-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (OK)

On XXXX XXXX, XXXX, I mailed the following to Fraud Claims Department, AT & T Universal Card, XXXX XXXX, XXXX XXXX, XXXX XXXX. As of today I have never received an acknowledgement or a response to my letter and claim. 
I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. I have never conducted business with XXXX XXXX XXXX. This charge took place more than two hours from where I live in XXXX, XXXX. 
I did not initially identify this transaction as fraud because I am XXXX and XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain this transaction is fraudulent. I had to provide an agency with the last twelve months of statements. The agency was only concerned with charges relevant to them. As I was omitting non-relevant charges I discovered a fraudulent charge in XXXX, XXXX, on a different credit card from a company I had never heard of. This prompted me to examine all of my past records/statements for all my credit cards. With assistance and hours of close examination of all my statements I discovered charges for XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX ( charges to a utility company that I had never had an account with, done business with, nor resided in that city ).
Consumer complaint received 2022-09-08
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: CORELOGIC INC (GA)

I have requested verification under FCRA laws from the creditors that reported an inquiry on my credit report and they have not responded in the 30 days. I also contacted the credit bureaus a Month prior and they would not take the inquiries in which I do not recognize off my report so I sent certified mail to the creditors to verify in which I have the receipts and tracking information.
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (ID)

I was caught up in the XXXX  identity theft and cleared up most of my problems. I contacted XXXX  XXXX XXXX  to send me all the info they had on an account they said belonged to me. After numerous attempts on my part the XXXX  XXXX XXXX  people cut off all communications in XXXX, in XXXX they sold the debt to LVNV funding, a collection agency. This has caused me problems with my credit report and I've been receiving harrassing phone calls. LVNV funding has bought a fraudulant account from XXXX XXXX XXXX  and expect me to pay, it is not my account and never has been. the info I have on LVNV funding is as follows per my credit report acct # XXXX address is c/o Resurgent Capital Service XXXX XXXX  XXXX, XXXX, SC XXXX ph # XXXX
Consumer complaint received 2017-12-27
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. (NJ)

XXXX XXXX experian refuses to block XXXX XXXX XXXX and XXXX XXXX from my account the fcra law states that they have 4 days to block these accounts from my credit report
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: LEXISNEXIS (CA)

My husband and I have auto insurance coverage with XXXX for over a year. Today I received a notification from XXXX stating my husband can no longer be under the insurance because of a recent information received by LexisNexis Consumer Center. The information received was XXXX happened XX/XX/XXXX and removed by judge in court on XXXX.
Consumer complaint received 2022-08-10
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. (MD)

Hi I am submitting this 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 XXXX XXXX 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 XXXXXXXX  n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-10-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (LA)

I have a Closed Charge off Collection account from Santander opened back in XX/XX/XXXX. The vehicle was repoed in XXXX. I later found out Santander is involved in a class action lawsuit from XXXX through XXXX. And the state that i live and and where my account was opened is included in the lawsuit. I recently used this as my dispute reason with XXXX  and successfully got them to remove this account off my credit. I then attempted to dispute with XXXX  and XXXX  and Santander is reporting the account remains and is still due.
Consumer complaint received 2016-01-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (AL)

I have contacted Sallie Mae and my mother about XXXX times trying to get my payments down so I can afford them. They have repeatedly told me that they could not, I told them how much I make and I started work over two months ago they were nasty and told me to get another job. I know I must pay but I can not XXXX a month I only bring home XXXX bi-weekly.i have other students loans that I must pay. Plus car insurance phone bill health insurance I do n't work 40 hrs a week most times.
Consumer complaint received 2019-03-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Hi. Ive told Portfolio Recovery Associates that they are not allowed to contact me by phone. They call multiple times per week, on any day. They also use different telephone numbers so that I dont have a number to give you. Ive told them that they can contact me via the United States Postal Service, but they refuse to do so.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

Hello, I have reached out to you in reference to an XXXX account reporting on my credit as open when it should be closed. I have contacted XXXX and they have stated they cant find an account for me, which is odd as i have given them all the correct information because i filled the complaint through the CFPB, Which means the account is not validated with your company.Please look into this as well. there is a 3 year prescription law in the state of Louisiana and the remedy is you can not continue to collect or re age old debts, further more this company is not registered in the state of Louisiana to collect debt ( XXXX ). Please properly investigate and delete. 

Thanks : )
Consumer complaint received 2018-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (IL)

Receivables Perfom is currently reporting a paid Collection account on my most recent XXXX Credit Report. 

The debt was paid to the original creditor. It was not paid to third party. 
Written request for complete information concerning the debt have not been answered nor addressed as of today.
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

My name is XXXX XXXX. My mortgage was transferred by XXXX to Rushmore Loan Services for no obvious reason. My Rushmore loan account number is XXXX. One : It has been XXXX  ever since. Rushmore has REFUSED to provide me a COMPLETE amortization schedule covering the life term of the loan from 2018 to the end despite all my requests. Twice they sent an incomplete amortization schedule feigning ignorance. Two : Rushmore has REFUSED to adhere to the stipulated amount in the amortization schedule. I wrote them twice to stick to the amortization schedule but to no avail. They believe in arbitrariness since they wrote me that the amortization schedule was ONLY a guide. They took ALL my first payment as their interest with zero credited to my principal. I did NOT engage their services. All pleas for explanation fell on deaf ears. Contrary to their amortization schedule for a loan balance of {$47000.00} their stipulated interest is about {$200.00} but this XXXX they have decided to collect about {$300.00} as interest. I have lost about {$2000.00} to their unwary antics and unscrupulous means. Three : since the inception of my loan with XXXX and then XXXX  I have been handling my XXXX XXXX Property tax and AliefISD tax by myself but Rushmore decided to add it to my Escrow account. I wrote them thrice to leave it out but they have chosen to ignore me. Now my fixed monthly payment of {$540.00} is being disrupted because Rushmore has refused to follow simple instruction. My fixed monthly payment of {$540.00} is being diverted to a suspense account with a contrived late payment charge of {$15.00} and even letter of threats to report me to the credit agencies. They have deducted about {$30.00} late payment penalty for this. Your assistance or intervention is urgently needed.
Consumer complaint received 2016-08-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (TX)

I never missed a payment ... never late on a payment ... constantly being charged XXXX fees ... numerous returned check fees and I 've never sent them a XXXX thing by mail ... I 've never written them a check that I can recall ... paid almost {$50.00} extra a month but it never reflected on my account balance ... the last payment I am gping to make was XXXX 's payment I believe, yet somehow, I owe them for more than just XXXX ... XXXX company with some illegal XXXX scamming going on ... if I ca n't get help from the government regarding Consumer Portfolio Services, LLC, I am hiring an attorney and taking all the federal agencies that have anything to do with business practices to XXXX XXXX!!!
Consumer complaint received 2021-06-24
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. (FL)

On XX/XX/2021 sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage pf and being ignored of my disputes.Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by XXXX breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudlent account tp be removed. I have attached my Drivers license and the FTC reports
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion continues to report inaccurate data on my account. They keep saying it was verified but that is not true. I contacted the source they said they verified it from and they said it was never reported to them as they do not subscribe to their agency. Due to that it needs to be REMOVED! It was not validated on verified by the ORIGINAL source. My right to privacy has also been violated according to FCRA 15 USC 1681 ( a ) ( 4 ). They don't have permissible purpose to furnish INACCURATE INFORMATION on my consumer report according to 15 USC 1681i.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (WI)

Subject : Notice of Violations and Demand for Immediate Settlement Compensation Dear LVNV Funding, XXXX XXXX XXXX I am writing to formally address the serious violations committed by your organization concerning the purchase and verification of a debt related to identity theft, and the subsequent impact on my credit report. This letter serves as a demand for immediate settlement compensation in accordance with the laws and regulations governing debt collection practices in XXXX 

After a thorough investigation and consultation with legal advisors, it has come to my attention that LVNV Funding, LLC/XXXX XXXX has engaged in practices that not only violate federal and state laws but have also worsened the hardship caused by identity theft. The identified violations are as follows : Violations under the Fair Debt Collection Practices Act ( FDCPA ) : Continued Pursuit of Fraudulent Debt : {$1000.00} Failure to Cease Collection Activities Upon Request : {$1000.00} Failure to Provide Verification of Debt : {$1000.00} Violations under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Accurately Report Information : {$1000.00} Failure to Rectify Inaccuracies Upon Dispute : {$1000.00} Additional Violations : XXXX. Violation of Consumer Financial Protection Bureau ( CFPB ) Guidelines : {$1000.00} Violation of Federal Trade Commission ( FTC ) Regulations : {$1000.00} Violation of Wisconsin Consumer Laws and Regulations : {$1000.00} Violation of United States Code ( USC ) Title 15, Chapter 41, Subchapter V : Debt Collection Procedures : {$1000.00} Violation of XXXX  XXXX XXXX ( XXXX ), Chapter XXXX : {$1000.00} Violation of XXXX XXXXXXXX XXXX, XXXX : {$1000.00} Failure to Comply with Cease-and-Desist Order : {$1000.00} Continual Collection of Fraudulent Debt Despite Evidence : {$1000.00} Removal and Permanent Restriction of Account : {$1000.00} The total charges for these violations amount to {$14000.00}.
Consumer complaint received 2020-10-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

During the past year I have been attempting Dispute unfamiliar items on my credit report in my dispute I asked for a method of verification on every single account/Trade line/item I have not received the proper information from any of the credit bureaus XXXX XXXX XXXX and Experian I spoke to one manager at XXXX XXXX and he told me that we already sent the information and I told him no you did not you sent me a letter with blank pieces of paper on it Then he told me it is 2020 and everything is digital now so we verify it electronically and thats it That is not with the fair report in credit act says You have to verify the dates who you spoke to how you communicated with them what was their response what you communicated with them how do you retain your files The other two credit bureaus did not respond to my request at all and it is my right to have the method a verification Also all three credit bureaus are guilty Of when I correctly dispute an item and give them substantial proof on why the item is not valid on the report they just say that it is verified For example on all three credit bureaus they said that they verify bankruptcies by XXXX before I disputed I wrote the court on which the bankruptcy is CLAIMED to be with And asked them did they verify Bankruptcies with third-party creditors Such as Experian XXXX XXXX and XXXX XXXX  they wrote me back and said no they do not as clear as day it says on two of my reports that they verify the bankruptcies with XXXX XXXX I sent them a letter that the court sent me saying that they do not do this and they wrote me back the bureaus and said oh its verified