BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-07
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
ON XX/XX/XXXX I FILED A DISPUTE WITH NETSPEND CLAIM # XXXX FOR {$440.00} ON CARD # XXXX XXXX XXXX XXXX. ON XX/XX/XXXX NETSPEND GAVE ME A PROVISIONAL CREDIT OF {$440.00}. HOWEVER ON XX/XX/XXXX THEY TOOK AWAY MY PROVISIONAL CREDIT, ,DUE TO XXXX STATING THESE WE 'RE MY CHARGES. 

ON SAME CARD .... ( XXXX XXXX XXXX XXXX ) I ALSO HAD TO FILE A 2ND DISPUTE CLAIM XXXX XXXX BECAUSE NETSPEND FORGOT TO CANCEL MY CARD WITH THEM ... SO SOMEONE CONTINUED ADDING UP FRAUD CHARGES. 

I CALLED XXXX AND CANCEL CARD AND EXPLAINED THAT THESE ARE FRAUDULENT CHARGES ... THEY STATE AND CONFIRMED THAT THESE WERE INDEED NOT MY CHARGES. BUT NETSPEND NEVER CANCELLED CARD. 

XXXX STATED THEY COULD NOT GIVE ME A MERCHANDISE REFUND BECAUSE I CA N'T CONFIRM THAT THESE WERE NOT MY CHARGES. BECAUSE THEY SEND E-MAILS AND I 'M NOT ONE OF THE E-MAILS/. 

ON XX/XX/XXXX I SENT THEM ANOTHER FAX ON THERE MISTAKE AND STARTING ASKING FOR THEM TO RE-OPEN CASE # XXXX. 

XX/XX/XXXX I GOT PROVISIONAL CREDIT OF {$320.00}. XXXX. AROUND XX/XX/XXXX I WON THAT INVESTIGATION, SO I ASKED AGAIN TO RE-OPEN FIRST CASE BECAUSE IT ; S THE SAME CHARGES THAT XXXX CHARGED ON 2ND DISPUTE. TOLD THEY WOULD SEND ME PAPERWORK AND XXXX 'S ANSWER BUT NEVER HAVE RECEIVED ANYTHING. 

LAST REQUEST ON XX/XX/XXXX STILL TELLS ME THERE IS NOTHING THEY CAN DO FOR ME. TALKED TO THEM AGAIN TODAY AND TOLD THAT ONCE A CASE IS CLOSED IT IS THERE RULE THAT THEY CA N'T RE-OPEN IT NOR CAN I ISSUE A NEW DISPUTE! 

XXXX THRU NETSPEND

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax/ XXXX XXXX XXXX XXXX ( CEO ) XXXX XXXX XXXX XXXX XXXX GA XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

XXXX- XXXX XXXX XXXX # XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA XXXX 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my XXXX credit report I recognized that I have 8 hard inquiries that I have NO KNOWLEDGE of. The name of the companies are XXXX XXXX XXXX with hard inquiries listed for XXXX, XXXXXXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX. 

Upon reviewing my XXXX file I also noticed 3 hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX showing for XXXX XXXXXXXX XXXX XXXX, IA XXXX that is showing for XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my EQUIFAX credit report I recognized that I have XXXX hard inquiries that I have NO KNOWLEDGE of. The name of the companies are XXXX XXXX XXXX with hard inquiries listed for XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX. 

Upon reviewing my XXXX file I also noticed XXXX hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX showing for XXXX wf/dillards XXXX XXXX, IA XXXX that is showing for XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: TRANSWORLD SYSTEMS INC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, after personally tracking my student loans down because as I was informed, they were sold to several different companies. In that time, the loans either went into default or into collections. At any rate, after several attempts in talking with Transworld system who I was repeated told had my loans although they could not locate them for at least 2 months of which I continually inquired about them. 

Finally in XX/XX/XXXX, someone was able to locate the loans and I responsibly set concurring payments on my student loan account with the collection agency, Transworld system. From XX/XX/XXXX, I have made consecutive payments through automatic drafts, and in that time up until this date XX/XX/XXXX, this account continues to show delinquent on my credit report. When I was first turned down for a loan, I called Transworld to inquire about the credit reporting and a representative faxed me correspondence showing that I was not delinquent, which was accepted by the lender however, it has never been updated on my credit report. 

Just recently, I contacted Transworld to inquire about the reporting and was informed that even though my payments are secured, the reporting will show delinquent until the loan is paid off. I was told in the past by the representative that furnished my the correspondence to send to the lender that because my credit agreement is being satisfied, she did not understand why it was being reported delinquent. 

This is indeed by question as well. Is there not a way to show that the terms of my agreement are being met? Can someone please assist me in resolving this matter?. 
I have attached the correspondence that details my agreement and will supply any other necessary documentation to show these payments are drafted automatically from the account listed on the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV IS REPORTING A DEBT ON MY CREDIT FILE THAT I DONT RECOGNIZE AS MINE FOR {$620.00} DOLLARS FROM XXXX XXXXXXXX, AND REPORTING IT AS A NEW ACCOUNTON MY CREDIT FILE. I AME REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCPA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON. TO MAKE SURE THAT YOU ARE NOT REAGING SOMETHING ELSE. JUST FOR YOUR INFORMATION, I AM ON XXXX AND MY INCOME IS PROTECTED UNDER FEDERAL LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts in Question on my credit profile that is definitely Identity Theft are as follows : 1/ US Department Of Education XXXX two different balances that total XXXX dollars, XX/XX/XXXX. 2/ XXXX XXXX XXXX   XXXX XXXX with a balance of XXXX dollars, XX/XX/XXXX. 3/ XXXX XXXX , with a balance of XXXX dollars, XX/XX/XXXX. 4/ XXXX XXXX XXXX, with a balance of XXXX bucks, XX/XX/XXXX. 5/ XXXX XXXX XXXX with a balance of XXXX dollars, XX/XX/XXXX. 6/ XXXX XXXX XXXX XXXX with a balance of XXXX dollars. All these accounts have been Fraudulently opened. I have filled out and sent several copies of an FTC report to Experian, XXXX, and XXXX. I have sent affidavits to these companies as well as the companies in Question that hold these fraud accounts. I have called each of these companies and most of them told me whether I did it or not I would have to pay. This made me very angry that they would actually say something like that to a person dealing with Identity Theft. I have contacted XXXX and will be set to be interviewed soon because of the responses from these companies as well as the lack of them solving this very important issue. Experian has hung up on me several times claiming poor connection or some other odd reason. I shouldnt have to be treated this way due to some Thief out there stealing my information and opening several different accounts that I have no knowledge of. I need help with this issue ASAP. It isnt fair that nothing has been done to solve these issues. My credit is totally ruined and it isnt even my fault. Ive called the FBI as well as Home land security. Im taking warrants out for Experian at the close of the day because of one of the Reps actually making threats against me. Its recorded and everything. Can someone please solve this issue so I can get my life back?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have numerous credit inquiries that are not mine as well as a couple credit accounts opened that are not mine or that I applied for. I have disputed these and no one wants to remove the fraudulent items. I will list each one seperately for each credit bureau. 

XXXX Not my Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXXL XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX not my accounts- XXXX and Applecard/GS Transunion- not my inquiries XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX NA ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX BANK ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX NA XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Retailer ) XXXX XXXX, XXXX XXXX XXXX XXXXK ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Bank XXXX XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  Miscellaneous ) XX/XX/XXXX XXXX XXXX Retailer ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXA ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX inquiries XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry XXXX XXXX XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX, XXXX XXXX XXXX BANK Inquiry date : XXXX XXXX, XXXX XXXX  XXXX NA Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX FXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My complaint is regarding Capital One 's non-compliance with the rule stating that I am to be informed of the reason for a denial of a credit application which they solicited. 

I have an active account with Capital One. I have very good credit with them ( and an excellent credit rating overall ). I received an offer last month for an " exclusive pre-selected offer '' because " I'm one of a few special customers. '' I completed the application on line and was immediately denied. I called Capital One, and the agent explained that by law, the company is required to provide me, in writing, an explanation for the denial, assuring me that I would receive it in 7 to 10 days. I waited four weeks, and still have not received any letter explaining the reason for denial. When I called last week for further explanation, the agent hung up on me. 

I have, however, received two more " exclusive pre-selected offers '' for the same card. Of course I will not waste my time, but I am still interested in why my application was denied. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX ALONG WITH XXXX XXXX XXXX AND XXXX ACCOUNTS WHEN APPLIED FOR PULLED 4 REPORTS, XXXX, EXPERIAN, XXXX AND XXXX AND AS A RESULT REPORT TO XXXX TOO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have numerous credit inquiries that are not mine as well as a couple credit accounts opened that are not mine or that I applied for. I have disputed these and no one wants to remove the fraudulent items. I will list each one seperately for each credit bureau. 

XXXX Not my Inquiries XXXXXXXX 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 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 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 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 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Robinson & Hoover
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is in regards to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX Phone - XXXX XXXX : ( XXXX ) XXXX On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX filed a judgement again me in the State of Kansas in the district court of XXXX County Kansas - Case # XXXX. Garnishment total {$14000.00} I never received any knowledge of this action until I was approached with garnishment by my employer. For the past year my checks have been garnished biweekly for a total payment of over {$7000.00}. With all my payments this past year my new balance is {$8900.00}. 

On XX/XX/XXXX XXXX XXXX XXXX filed another judgement for the same auto loan in the State of Oklahoma in the District Court of XXXX County - Case # XXXX. Now they are seeking additional interest for a total garnishment of {$20000.00} Both garnishments have been sent to my employer. This is beyond harassment. They are malicious. How can they have 2 judgements against me for the same auto loan??? I have already been charged once and I have been paying? Why are they seeking more money. This is illegal. They can't do this. I am contacting a litigation attorney to bring harassment charges and to have the judgements dismissed for malicious intent to obtain unlawful action against me and to get additional money not owed to them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Information on Experian belongs to another person with similar name who lives in another state. 
Can not access Experian account to place credit freeze due to not knowing other person 's information and customer service not available on the weekend. 
Already placed credit freeze with XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company has no reason for trying to collect on a account that the company has collected as a tax right of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection company called LVNV Funding that is located on C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX continues to harass me about debts that i do not owe or have any clue what they are. I have Personally never seen a contract from them between my self and them proving that i owe them anything. LVNV Funding is reporting an alleged debt on my consumer report XXXX, XXXX that i have never seen before. i have never seen a contract that shows i have done business with them or authorization that gives them the legal rights to collect from me. XXXX XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter to them via certified mail on XX/XX/2022 and they did not respond to me at all which is also a violation. This company has also been contacting me without my prior consent which is a violation of 15 usc 1692c. 

I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly

Company response to consumer: Closed with explanation