davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (VA)

To Whom It May Concern, I am writing this letter to dispute a alleged collection that has been reported on my credit report as of XX/XX/2023 without proper notification as required by the Fair Credit Reporting Act ( FCRA ). The collection in question is XXXX XXXX XXXX  XXXX, and it is listed on my credit report under account number XXXX ( first XXXX ). 
I am disputing this collection because I was not notified by LVNV Funding LLC that I had a debt in collections before it was added to my credit report. According to the FCRA, collection agencies are required to notify consumers of a debt in collections before reporting it to a credit bureau. However, I did not receive any notification from LVNV Funding regarding the debt in question. 
I am requesting that you investigate this matter and remove this collection from my credit report. I also request that [ insert name of collection agency ] be held accountable for not following proper notification procedures as outlined by the FCRA. 
Thank you for your time and attention to this matter. Please let me know if you require any additional information to assist in your investigation. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-04-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX  {$5400.00} / XX/XX/2022
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this credit bureau over 60 days ago, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION 611 ( a ) a failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the XXXX data breach and may have got in the the hands of the wrong person.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I was issued a Bank of America XXXX prepaid card. I was unable to use the card within the first 6 months of issue due to COVID. The card expired. The company has kept the {$100.00} and closed the account even though by law I should have been given 5 years.
Consumer complaint received 2019-06-11
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. (NV)

Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: EMCC Holdings, LLC (MS)

on XX/XX/ 2019 I contacted XXXX XXXX  to clear up and installment loan that was acquired by XXXX XXXX. I paid XXXX dollars with a debit card, this payment has cleared the bank. when i made this payment my account read on my credit bureau that the original loan was for XXXX and my balance was XXXX, and that i was late XXXX dollars, now i paid XXXX, the next week the credit file had been update by them to show i was past due XXXX! after i just made the payment, that same week XXXX XXXX sends me a bill saying i owe XXXX for past due fees a monthly bill of XXXX for a total of XXXX not due til XXXX OF THIS YEAR?!. we called XXXX to see what was going on and you cant get any one on the phone so we called XXXX XXXX they tell us they didn't use the money we paid to pay our late fee THAT WAS INCLUDE IN THE TOTAL AMOUNT PAST DUE OF XXXX, THEY SAID WE ( XXXX XXXX/XXXX  ) CAN APPLY IT WHEREVER WE WANT. now XXXX XXXX wont even answer my husbands calls and the credit bureau STILL is reporting wrong. So we have two bills received in the same week that totally contradict what is really going on. The bills received also has two different balances than whats even reporting to the credit bureau! so that's a total of three different balances. We've recorded all these phone calls as well.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Atlanticus Services Corporation (MA)

I lost my credit card is XXXX, I've contacted the company about 6 times and I still haven't received a card. Each time I call I speak with a representative that gives me an excuse to why it wasn't sent out or why I never received it. I was told twice there was a system malfunction that's why it was never sent. Spoke with a supervisor and she assured me 3 weeks ago id get my card with expedited shipping and still never received it.
Consumer complaint received 2020-01-24
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. (NV)

I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if the credit bureaus is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and nothing is being done by Experian XXXX   or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus along with a picture ID from me so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that cfpb steps in and ensure that the credit bureaus does what's is right under the law.
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Yamaha Motor Finance Corporation USA (CA)

I have a loan with Yamaha XXXX. XXXX carries the loan.. My payment is due on the XXXX of every month. I made my payment that is due on XX/XX/XXXX on XX/XX/XXXX. In fact, I have a confirmation letter from Yamaha stating that I made a payment. I received a letter dated XX/XX/XXXX from Yamaha Financial Services stating that I am past due on my payment. When I call the original number of XXXX XXXX XXXX I'm told by recording that the loan has been transferred to Yamaha Financial Services. I've called the number ( XXXX many times this week. I've been on hold for 2 hours at a time and no one ever picks up. I called this morning right at XXXX XXXX  ( when they opened ) and the recording said the wait time is 2 minutes. 1 hour later and still on hold so I hang up. I called last night and the recording said the wait time of 10 minutes and I was on hold for 2 hours and still no answer. This has happened many times this week. An hour here, an hour there : still waiting on hold trying to have this issue resolved. I do have a confirmation that the payment was made but I can't resolve something when no one at Yamaha Financial is there to man the call. This is very frustrating to say the least.
Consumer complaint received 2022-01-11
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. (FL)

I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES.BLOCK AND REMOVE THEM. 1.XXXX XXXX. 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX 6.XXXX 7.XXXX 8.XXXX 9.XXXX XXXX XXXX 10.XXXX XXXX. 11.XXXX
Consumer complaint received 2022-04-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX / {$5400.00} / XX/XX/2022
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schreiber Law LLC (CT)

I entered into an agreement with Schreiber Law to resolve a XXXX account. The agreement was for 12 monthly payments. On the XXXX payment, made in XXXX of XXXX, Schreiber Law applied the payment to another account in their office, which they allege is mine. 
Each month when I send the XXXX payment I include a letter stating that the payment is for the XXXX account and I include the last 4 digits of the account number. I never authorized Schreiber to apply the payment to anything else but the XXXX account, as agreed. 
I received email communication from XXXX XXXX at Schreiber, on XX/XX/XXXX stating " I am looking into this and should have an answer shortly. I think I know what happened and it was through no fault of your own. I will remediate this. '' That was the last communication I received from Schreiber on this issue that they clearly caused. I followed up with Attorney XXXX via email on XX/XX/XXXX and XX/XX/XXXX, with no response. I called Schreiber on XX/XX/XXXX and was told Attorney XXXX was not available to discuss the issue. 
Additionally, XXXX has continued to send me letters stating that I am behind in my XXXX payments. I have copies of each check that they have cashed each month. I have held up my end of the agreement and continued to make the monthly payment in XX/XX/XXXX, and I will be making the last payment of the agreement in XX/XX/XXXX.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing this complaint to report a case of identity theft involving fraudulent addresses and accounts. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. Below are the details of the fraudulent addresses and accounts : Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX  XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  - Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I request your assistance in investigating this matter and taking appropriate legal action against the individuals responsible for this identity theft. I have taken the necessary steps to secure my accounts and personal information. Please let me know if there are any additional details or documents you require from my end. I've attached a copy of my ID, Utility Bill and my Social Security Card. 

Thank you for your prompt attention to this matter. I look forward to cooperating with your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-29
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. (OH)

Looking over my credit report and notice some hard inquiries that I do not recognize and are all over 90 days old Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft and the items on my credit report are not factual information Ive contacted the credit bureaus and they have not handled this situation as of yet and this is hindering my true credit worthiness! 

The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (TX)

I have recently had a death in my immediate family so I have been struggling to pay the loan because i have been paying for funeral arrangements i have talked to XXXX XXXX and her associates from covington credit repeatedly about this situation and arrangements. As i simply did not have the money that month due to the situation. She has repeatedly come to my house at least three times a week speaking to everyone i live with about my debt, which harassment and against the law.
Consumer complaint received 2022-01-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I sent The Pentagon Credit Union an Notarized Affidavit Of Truth stating multiple violations via certified mail on XX/XX/2022 at XXXX and on XX/XX/2022 at XXXX Pentagon Credit Union received my Affidavit Of Truth. As of now I'm demanding a response and seeking my remedies which is owed to me from Pentagon Credit Union. In the attachments below is my Affidavit Of Truth and exhibits that back up my Affidavit Of Truth.
Consumer complaint received 2020-01-24
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX is reporting {$620.00} on my credit reports. I AM GETTING READY TO SUE XXXX XXXX XXXX AND THE CREDIT BUREAUS FOR REPORTING FRAUDULENT INFORMATION ON BY CREDIT REPORTS I HAVE NEVER HAD A XXXX XXXX XXXX CARD OR ACCOUNT NEVER MADE ANY CHARGES ON A XXXX XXXX XXXX
Consumer complaint received 2018-02-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (AZ)

I joined XXXX in XX/XX/XXXX and paid about $120 for their business account. I was told that if I didn't use the account that year, they would refund my purchase price. I did not realize I had also signed up for a Citibank Visa card who automatically proceeded to bill me for the next year (XX/XX/XXXX) for the same amount. I was out of town when the bill came and when I returned, I immediately went down to XXXX  and talked with the manager. After a couple of visits, he refunded the money I had paid in XX/XX/XXXX and I put that money into my checking account. He indicated that I didn't owe them anything as I did not renew any type of membership.I have not been able to convince Citibank that I don't owe them anything and have tried NUMEROUS TIMES to get this straightened out over the phone. To no avail! They believe I owe them (see attached bill). I cut up the credit card and the XXXX card in XXXX, I think, and returned them.I would like to get another XXXX account, but don't want another credit card, either. This needs to be straightened out before I even try to do that.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-01-11
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: Radius Global Solutions LLC (AL)

I previously reported an identity theft in XX/XX/2021 disputing the account put on my credit by Radius Global the original creditor is XXXX. I want to file a complaint against both companies due to the fact that I have previously told them that this is a result of identity theft but also the fact that XXXX continues to sell this debt to debt collectors. As a result, my credit report has been severely impact it because this is the only negative item on my credit report. I have also filed a report with the FTC stating that this is a violation due to the fact that these bills were not caused by me. I checked my credit report in XX/XX/2021 and saw that this debt had been added to my report
Consumer complaint received 2020-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is reporting {$620.00} on my credit reports. I AM GETTING READY TO SUE XXXX XXXX XXXX AND THE CREDIT BUREAUS FOR REPORTING FRAUDULENT INFORMATION ON BY CREDIT REPORTS I HAVE NEVER HAD A XXXX XXXX XXXX XXXX OR ACCOUNT NEVER MADE ANY CHARGES ON A XXXX XXXX XXXX