davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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. (NC)

I recently applied for an auto loan and wasn't able to get it. I have plenty of accounts that are fraudulent and inaccurate on my credit report. I wrote to Equifax, XXXX and XXXX. I made them aware of the fraud and inaccurate accounts I will attached the letters to the complaint. I haven't received a response as of yet this is a critical situation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. The following personal information - J XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX NY, XXXXXXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XX/XX/21 XXXX XXXX  XXXX XX/XX/21, XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (FL)

I was incarcerated XXXX of last year and card end up stolen while incarcerated fraud charges had occurred and account closed and now nobody at the bank/? card issuers cant help nor get information about how to fix the problem
Consumer complaint received 2019-02-23
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: LEXISNEXIS (GA)

accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated report.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

Experian, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out to XXXX by emailing XXXX and by phone XXXX to identify the issue Im having with making a payment through their website. It does not let me connect my bank account sometimes and then sometimes it connects then disconnects after. On XX/XX/2021 I was finally able to connect the account so I made two payments {$100.00} and {$51.00}. I received a notification on today my credit report that I was two months behind which is incorrect. I have been emailing and calling with no return response and now my credit is ruin. This needs to be fixed immediately, I have always paid my account on time.
Consumer complaint received 2020-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P. (FL)

I have paid off my debit with LTD financial in XXXX. They said they would send out a settlement letter stating that it is paid in full which I have. I have provided it to XXXX but they wont take it off my credit report or notate that it is paid in full. I did the same thing with XXXX and they completed everything. I would like for them to do the same.
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

1. LVNV FUNDING LLC I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
Consumer complaint received 2022-04-06
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX TER XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2019-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I do not have a signed contract nor any contract with XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX. Also per State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. 

The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint will be sent to you by certified mail with proof of delivery and also become part of a formal complaint to the XXXX  XXXX   XXXX. This will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IA)

I have tried multiple times to contact Coinbase to get information from them. On XX/XX/2021 they removed XXXX $ from my bank account and the only resolution I was able to get was by speaking with my bank and getting this reversed. Then I made a mistake on XX/XX/XXXX and sent XXXX from my Coinbase XXXX to my Coinbase XXXX account and the funds are not showing in my account. Coinbase refuses to answer my emails since XX/XX/XXXX and I am hoping you can email them and scare them into complying and helping me finally. I have exhausted all other channels. 

Case # XXXX
Consumer complaint received 2021-09-17
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. (MO)

ON XX/XX/XXXX I sent a depute to Trans Union regarding incorrect information on my credit report. I was never sent any information regarding the depute in writing as I ask. I ask that whatever the outcome I will be sent that information in writing with 30 days from theXX/XX/XXXX I never received such information. being that I never heard from them within that 30 days the information in depute should be removed from my credit report. 

The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

I have reached out numerous times to XXXXXXXX XXXX in regards to a XXXX  day late payment that they are reporting on my credit reports with the credit reporting bureaus. The late payment is being reported in late 2021 during the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided XXXX XXXX that information including a copy of the XXXX XXXX XXXX XXXX XXXX XXXX stating negative consumer credit reporting this time is suspended due to no fault of my own.
Consumer complaint received 2021-07-21
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. (MS)

XXXX XXXX XXXX are reporting my account closed as of Apr XXXX and late payments for the entire tire i had the car which is inaccurate.and its showing charged off, so why i am still making payments on time over the last 18 months. i have tried to correct the issue with no results, they are causing me to become depressed and damaged my credit from getting anything.
Consumer complaint received 2021-03-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (GA)

I recently had my hours cut from Full time to Part time and I explained myself to them asking what could be done to get assistance. They basically told me they can only " extend my due date out a week and a half '' it made no sense!! I pay XXXX per month and they literally call and leave a voicemail every single day. I've asked them to stop and it doesn't stop. Nobody on this earth, thought COVID would happen and for the companies to not have a system in place after almost a year doesn't make any sense and they shouldn't be allowed to harrass people for payment.
Consumer complaint received 2016-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CL Holdings LLC (CA)

I received a bill from XXXX wireless I kept disputing but it comes back verified and updated.i kept disputing debt and never received verification that debt was mine.it has been sent to several collection agencies and keeps being updated. Recently debt has been updated to XXXX 2015 as a current debt.
Consumer complaint received 2017-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

XXXX XXXX continuously sends me bills in the mail saying I owe {$800.00} from a paypal credit line to which I have never had. I have already told them on the phone this is not from me and to stop contacting me but they continue to send bills multiple times a month. I have never had a paypal credit line and you dont even have my correct name on the bill.
Consumer complaint received 2022-04-06
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. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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 a account without my written instructions
Consumer complaint received 2023-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2020-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2022-04-06
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Acoount # XXXX, XXXX Account # XXXX, XXXX XXXX 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.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

HELLO MY NAME IS XXXX XXXX AND I HAVE A CURRENT LOAN WITH SANTANDER AND THEY HAVE WRONGFULLY REPORTED TO ALL THREE CREDIT BUREAUS THAT I HAVE BEEN LATE 5 TIMES AND THAT IS WRONG I HAVE ALL MY BANK STATEMENTS TO SHOW OTHERWISE. ALSO THE LAST ONE POSTED ON XXXX OF THIS YEAR AND HOW COULD I BE THIRTY DAYS LATE WHEN I MADE PAYMENT ON THE XXXX OF XXXX AND BEFORE XX/XX/XXXX THEY HAD ALREADY POSTED THAT I WAS LATE IN THE MONTH OF XXXX BEFORE XXXX WAS EVEN OVER. MY CREDIT SCORE OBVIOUSLY TOOK ANOTHER HIT FOR A CURRENT LATE PAYMENT AND ALSO SANTANDER WAS SUED AND THE BORROWERS PREVAILED. I WANT MY CREDIT REPORT TO REFLECT MY PAYMENT HISTORY AS PAID AS AGREED WITH NO LATE PAYMENTS BECAUSE I WAS NEVER LATE. I THANK YOU FOR GIVING THIS MATTER YOUR IMMEDIATE ATTENTION AS WELL AS FOLLOWING UP SO THAT THEY CAN MAKE THE NECESSARY CORRECTIONS.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In late XX/XX/XXXX I called in before the XXXX dollars annual fee was due and requested that my secured card be either converted ( so the fee was waived ) or that I would like the account closed. I submitted all of the information needed and was told to wait and it would take 30-60 days, I received a letter that confirmed this. It turns out there was a block on my credit report so they were unable to run my credit. I called to follow up after the 30 days had passed and only then I learned of this issue. I gave further authorization to run my credit. I asked if I should pay the now due XXXX dollar fee that had been assessed. I was told that I didn't need to because we should have a decision on the conversion before the fee becomes late. The next letter I get is that a XXXX dollar late fee has been applied to my XXXX dollar fee and I am now in collection. The day I get the letter I contacted XXXX XXXX and they admitted that there was a snafu and after I made the payment for the XXXX dollar fee and XXXX dollar late fee I was credited back for both fees plus an additional account credit. It was also at this time that I learned that after all of the additional information given to authorize running my credit, it was never processed to have the account converted. In XX/XX/XXXX I get a notification of a 30-90 day late now appears on my credit from this account and this XXXX dollar fee. I have now contacted XXXX XXXX  4+ times I am told that there is nothing they can do, I am responsible, I am deserving of this, and if I don't like it to dispute it on my credit or send a letter. I have tried to get to the executive office or a higher up office, I am told that I am not permitted to talk to anyone other than credit card service. I have now disputed the late on my credit. This bank is ruining my life. Oh, and to close my account I have to send in a fax or letter which they claim that was sent in and I had not at that point sent in a letter.
Consumer complaint received 2021-07-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (PA)

This vehicle was repossessed by the company, I was never given any documents regarding a deficiency balance. I don't know where this car is or ended up. This company has been falsely reporting the amount owed and refuses to furnish documentation regarding the whereabouts of the vehicle or the price it was sold for. I do not owe this amount, the company violates the FCRA and the FDCPA.
Consumer complaint received 2021-07-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I was in my garden and I received a call from Amerisave .Someone by the name of XXXX called me stating he guarantee that he can beat a mortgage rate of 1.99 percent.I told him three times on the call do not guarantee me anything because California laws state verbal agreement is the same as contractual agreement. I also let him know that I teach business law.After I called back to try to talk to supervisor then I was told Amerisave does not do jumbo va loans, the representative was rude to me when I asked to speak to a manager, and third representative told me I am talking to loud but Im hearing impaired which is XXXX discrimination.
Consumer complaint received 2017-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MD)

Afni, inc. has falsely reported information about me to the credit bureau, and it has negatively impacted me. I am in the process of buying a home and this is preventing me to move forward. The debt says it 's an XXXX & XXXX XXXX account, which I 've never had. I 've been a XXXX customer for over 10 years. I pay my bills, and everything on my report is positive except for this false collection. So that I could move forward with my home loan I even contacted Afni to pay the debt ( even though it 's not mine ) if they would remove it from my credit report. They declined. It makes absolutely no sense to ruin someone 's life for absolutely no reason.
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (WA)

They call me daily at all hours from different numbers after i told them not to contact me and that i will get to them when im financially able to and that i have verified the dept they are trying to collect is real i still get calls from them they have started calling every other day but still wont stop they are called ERC but they wont tell me what it stands for and when they call they just give me the name of the person i am talking to and demand to know if it is me i have told them i will block their numbers the lady just laughed and said good luck amd now they continue to call from different numbers XXXX at XXXX XX/XX/19, XXXX XX/XX/19, XXXX XX/XX/19 XXXX at XXXX XX/XX/19 and XXXX XX/XX/19 and they called me 15 times in XXXX and XX/XX/XXXX that i didnt record.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

There is a mix up of a account that has been placed on my credit profile by Infiniti Financial Services on XX/XX/2020 .Stating that there is a late payment which wasn't. My vehicle was in a accident and was paid off by the insurance policy XX/XX/XXXXinsurance. My account was paid in Full and there is a {$0.00} balance or any late payments at all. This is not a Derogatory account.