davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I, XXXX XXXX, a consumer, am notifying you that I dispute both alleged debts pursuant to 15 USC 1692g. XXXX XXXX XXXX  says this account was allegedly opened XX/XX/20 and LVNV Funding has a completely different date listed which is inconsistent further confirming their allegations are false. 

I do not recognize how these accounts are reporting on my credit report. I do not recognize the account numbers ; I do not recognize the account status. I also do not recognize the account high balances not the late payments associated with these alleged debts. I REQUEST THAT YOU PROVIDE TO ME VALIDATION OF THE ALLEGED DEBTS. VALIDATION CONSISTS OF FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND IT MUST BE NOTARIZED. IT ALSO MUST HAVE A COPY OF MY WET SIGNATURE. 

Since these alleged debts are disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of these alleged debts which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium whatsoever. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the Aggravated Value of Purchase showing how much you paid for these debts. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY MONEY MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND IS FALSE AND MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASZSE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Claim # XXXX from Bank of America My account was charged {$180.00} from cash app. I did not authorize this transaction. I contacted XXXX XXXX through email and I was told to request a refund. I requested a refund and was not successful. I contacted my bank institution and explained the situation and they temporarily credited me back the {$180.00} until investigation was over. Claim was closed and now Bank of America wants to hold me accountable for the transaction. I do not think it is fair to hold me accountable for this transaction.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (GA)

Numerous attempts have been made with Freedom Mortgage to remove XXXX. Attached you will find my appraisal report for my home. According to law, XXXX can be requested to be removed in writing. I have made the request several times in writing and over the phone. I followed the below steps with attempting to remove XXXX with them because I have reached the date when the principal balance of my mortgage has fallen to 80 percent of the original value of your home. 

I made the request in writing. 
I have a good payment history and be current on payments. 
There are no junior liens ( such as a second mortgage ) on my home. 
Evidence ( for example, an appraisal ) that the value of my property hasnt declined below the original value of the home. 

Thank you
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL)

I noticed this company attempting to collect a medical bill in XXXX of XXXX. The date of the medical visit was XX/XX/XXXX. My insurance company paid the claim submitted and then denied an additional claim for the same amount as it was a duplicate. I made a call to the company AR Resources and they advised me to email to have the collection removed and updated. Since then there has been no action and I again emailed them asking for immediate resolution and have yet to hear anything back. I am attaching supporting documentation to this complaint from the insurance company and my attempts to reach this company for resolution
Consumer complaint received 2022-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

An account with Resurgent Capital Services was originally placed on my credit report in XXXX of XXXX. I have repeatedly asked for proper validation of the debt with the most recent request being XX/XX/XXXX. I asked for the company to provide the following information which would be proper validation of the debt : Please provide a contract, agreement, assignment, or other means demonstrating that LVNV Funding LLC or Resurgent Capital Services L.P. has the right to collect on the alleged debt - Please provide reasonable proof, such as an original, or copies of assignment agreement transferring the alleged contract or account in question from XXXX XXXX XXXX  over to LVNV Funding LLC to show an assignment has been made and that LVNV Funding LLC is the real party of interest. 
- Proof of your right to own/collect this alleged debt and that you are licensed to operate in the state of Ohio - Itemized statement of the balance claimed including all fees, interest, and penalties - Proof of assignment of debt from original creditor and notification - Amount that you purchased the debt for - A written agreement between myself and your company regarding this debt - Original cardholder agreement from the original creditor - Proof of assignment rights to Resurgent Capital Services L.P . 

In return, the company sent me a printout of an account summary sheet from their system and a printout of a credit card statement from XXXX of XXXX. This is the same information that they have sent me on every validation request since the account appeared on my credit report. This is a clear violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FB FINANCIAL CORPORATION (LA)

My lender, First Bank Mortgage put forced flood insurance on my condo that I already had flood coverage on through my XXXX policy and the complex 's master policy. The forced flood insurance created an escrow shortage and my monthly note went from {$940.00} to {$1600.00}. I continued to send my regular note while I disputed the placement of the forced flood insurance. In XXXX, First Bank began rejecting my electronic payments and refunding the checks that I sent them for my monthly payment. Eventually, they cancelled the forced flood insurance and refunded my escrow, creating an escrow surplus. They also corrected the monthly payments ; however, they never corrected the balance owed as a result of the escrow shortage. First Bank Mortgage now says that I am in default of my loan and is threatening foreclosure.
Consumer complaint received 2022-04-26
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. (PA)

Never received notice to dispute. Resurgent / LVNV Funding placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-04-26
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. (TX)

The collection company has illegally reported THE SAME ACCOUNT TWICE WITH TWO DIFFERENT OPEN DATES on my report which is against federal laws! 


I have reported that an investigation be done for this collection account under the name of XXXX XXXX XXXX XXXX. I've never had an account with the company nor progressive. I asked the debt to be validated and they failed to do so within 30 days. I sent a copy of that to the 3 major credit reporting agencies and they failed to remove the account and said the account was verified AFTER i sent in all proof of this account being fraudulent. More importantly it is illegal to reage debt and list the same account twice on a report with TWO DIFFERENT OPEN DATES. I HAVE ATTACHED PROOF OF THE CPAMY DOING THIS AND THE 3 MAJOR CREDIT COMPANIES STILL DID NOT REMOVE THIS FRAUDULENT COLLECTION ACCOUNT
Consumer complaint received 2022-04-26
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right of 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (PA)

EOS CCA placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
Consumer complaint received 2022-04-26
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. (TX)

In accordance with the Fair Credit Reporting Act US DEPT ED # XXXX and # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX  XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (NJ)

Below are a list of inquiries that are on my credit report that I dont recognize. Id like them to be removed immediately. Thank you for your time and efforts its very much appreciated. 

XXXX DEPARTMENT XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-04-26
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Payment due on XX/XX/XXXX for {$29.00} that was paid on XX/XX/XXXX. There were no notifications of a late payment for the XXXX payment, no phone call or email although I received over 25 emails during that same timeframe for marketing and solicitations to shop at the store and an additional 5 notifications via mail. Upon calling the company to discuss the matter, the supervisor told me that they only report delinquency to the credit bureau after a payment is 60 days late then refused to make the update to the payment history since it was not 60 days late and only 35 days late. Per their own stated policy of 60 days, there should not have been a delinquency reported to the credit bureau. I would like an investigation unto this matter and the credit bureau updated.
Consumer complaint received 2022-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

Zelle Scam on Wed, XXXX XXXX at XXXXXXXX XXXX Dear, Customer We encounter a little problem while trying to credit your Zelle account, you received a payment of {$850.00} USD but we have a problem in crediting your account with that amount because the status of your Zelle account is not a business user which makes your account have a limit and this amount seems to be above your limit. You have to take the urgent step to expand your account limit. 

[ FOLLOW THE INSTRUCTIONS ] Contact the payee to your account to help you send an additional payment of {$500.00} USD so that your account limit can be expanded, As soon as this is done we will send you a notification before we process the total payment into your Zelle account. Your account will be credited with the total sum of {$1300.00} USD immediately Contact Privacy Legal Zelle Logo Transaction and payment assurance. 

An alert has been sent to your buyer in regards to the {$500.00} USD additional payment to send, we will secure this transaction with high priority that neither the buyer nor the seller will lose a dime in this transaction.
Consumer complaint received 2022-04-26
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # : XXXX XXXX XXXX Account # : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-04-26
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 Section 602 A. States I 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 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OH)

I received a debt collection notice from both Convergent Outsourcing , Inc and XXXX XXXX XXXX XXXX XXXX on behalf of XXXX. I was surprised to receive this because I've never set up an account with T-Mobile and had never received any kind of billing notices from them prior to receiving the debt collection notices. On XX/XX/22 I called Convergent Outsourcing and notified them that I was disputing the debt. The letter they sent me states that if I dispute the debt they must stop collection until they send me the information that shows I owe the debt. As of XX/XX/22 I have not received any correspondence regarding my dispute, but I have received an additional collection notice that was issued on XX/XX/22. 

When I initially called Convergent on XX/XX/22 they also advised me to call XXXX directly to dispute the claim. I did this on the same day. I spoke with XXXX different representatives and they were unable to give me any information regarding the account and wouldn't allow me to dispute anything because I couldn't give them the pin number associated with the account. As I never set up an account I have no way of knowing what this pin number could be and they did not offer me any assistance with this. I also requested that they reach out to the debt collector directly about this as they wouldn't give me any information. They refused to take the debt collection account number when I offered it. 

I would like confirmation that they will cease all debt collection efforts and that this will not affect my credit.
Consumer complaint received 2020-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc. (NJ)

I have a collection with Innovative Recovery ( Account number XXXX ) in the amount of {$930.00} for XXXX XXXX XXXX. I provided the proper notice at the end of my lease and had the apartment professionally cleaned. 

Since XX/XX/XXXX, I have been trying to get Innovative to provide a breakdown of what XXXX claims I owe. They have not provided it. The FCRA provides that a consumer may contact the data provider about a dispute ... that data provider must adhere to the same 30 day time frame for responding or delete the item that the bureaus must adhere to. ( Section 623 FCRA ).

I demand that this item be removed from my file due to a clear violation of Innovative with regard to following the FCRA guidelines.