davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

On or about XX/XX/2022 I received a letter via mail from Resurgent Capital Services a debt collector company. Upon receiving this letter I notice that this company was trying to collect on a debt and several of my rights were violated. Pursuant to 15 USC 1692g ( 3 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. A statement was not sent in the mail with the letter. Also, when the mail was received there was a symbol on the letter which is also a violation pursuant to 15 USC 1692f ( 8 ) using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Also, I have never gave Resurgent Capital Services permission to contact me. Pursuant to 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Furthermore, there were many unauthorized phone calls, text messages, and emails sent to my telephone regarding this matter that I did not consent to. Pursuant to 15 USC 1692d ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violations for {$9000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$9000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$9000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best regards, XXXX XXXX XXXX : CFPB via fax ( XXXX ) XXXX
Consumer complaint received 2022-11-21
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. (NY)

This is my seccond endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 


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Consumer complaint received 2023-02-04
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. (NY)

The company, XXXX has sent back a response for a credit collection where both the amount of the collection and the company are not what is owed to the collector. The company, XXXX stated in a previously closed complaint that there was not specific enough of detailed information sent to them for the complaint to be processed. However, the specifications of the complaint are not missing any details. The collector is reporting through XXXX an attempt to collect an excess of {$3500.00} in cash for an apartment which was not occupied after a 10 day notice was given by the landlord for complaints made by other tenants regarding a dog. The apartment was immediately vacated and there were some belongings which were later removed by the end of the month. The month which this occurred in was XXXX of 2021 The dog and the occupant, the person who the complaint is now being submitted by and for is not the person who resided in the apartment after the notice was given by the landlord regarding complaints about a dog. There was no option to stay in the unit because of the nature of the complaints and harassment by the maintenance woman residing inside the same building as the tenant household and dog. The apartment could no longer be safely occupied. The leasing company, XXXX XXXX still sent the collection to XXXX regardless the apartment had been vacated. The amount exceeds any rental time of occupancy in the unit. There was also no clean running water in the unit past the month in question, XXXX of 2021. There were also several complaints regarding the police and the maintenance woman who blocked the sidewalk for the walkway to be used for entering or exiting the building. The management has since changed at the property in question. The collection is listed as XXXXXXXX XXXX XXXX XXXXXXXX and through a collection company the amount from XX/XX/2021.
Consumer complaint received 2023-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (FL)

I took out a XXXXXXXX XXXX XXXX XXXX XXXX loan through Seedfi in XX/XX/2022. I was paying this loan as scheduled and had every intention to pay it off and complete the contract. However, Seedfi transferred my account to a company under moniker XXXX in XX/XX/2022. When the account got transferred over from Seedfi to XXXX, Seedfi did not sens over the proper/updated documentation for my loan. So, all the payments i had made to Seedfi were not being recognized by XXXX. To further that, XXXX is claiming i had owed them {$4000.00} which made no sense! I immediately reached out to Seedfi for assistance but they refused to assist me and redirected me back to XXXX who refused to accept any supporting documents i had to prove that their information was wrong. Initially, when XXXX took over the account, they had no online platform. They had issued an email to a link that was broken and did not work. To further that, they were sending me e-letters also through email regarding my account that i could not access due to it requiring a passcode which they never provided even when asked. They proceeded to harrass me with calls and continued to give me the run around from XX/XX/2022 and this account became neglected due to all that. I just found out today that this account was sold as a debt to another company and i am completely and utterly frustrated to say the least!
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (NV)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX ...... Date Opened XX/XX/XXXX Balance {$2100.00}
Consumer complaint received 2023-01-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (NE)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Westlake Financial Services for closing my previous complaint and marking it as a duplicate. I had previously submitted a complaint to the CFPB regarding a violation of my Truth in Lending rights by Westlake Financial Services. 

I was informed by the CFPB that my complaint was closed and marked as a duplicate, without any resolution or explanation. This is unacceptable and has left me feeling frustrated and disheartened. 

I believe that my complaint was not a duplicate and that it contained unique information and details regarding my experience with Westlake Financial Services. I strongly believe that my complaint should have been fully investigated and not closed without proper resolution. 

I request that the CFPB re-opens my complaint and investigates it thoroughly. I would also like to receive an explanation as to why my complaint was closed and marked as a duplicate without proper resolution. 

Thank you for your time and attention to this matter. 

Here 's more information on previous complaint : I entered into a loan agreement with this company and was informed that there was no cooling off period, also known as a right of rescission. 

According to the Truth in Lending Act ( TILA ), creditors are required to disclose the right of rescission to borrowers in certain types of consumer credit transactions, such as loans for a primary residence. The right of rescission allows borrowers to cancel a loan without penalty within a certain period of time after the loan is consummated. 

I believe that Westlake Financial Services violated TILA by failing to disclose my right of rescission to me. As a result, I was not able to make an informed decision about the loan and XXXX have suffered financial harm. 

I request that the CFPB investigates this matter and takes appropriate action against Westlake Financial Services to ensure that they comply with TILA and do not violate the rights of other consumers in the future. I also request any possible compensation for the harm caused by this violation. 

Thank you for your time and attention to this matter. 

I have attached the agreement clearly stating " no cooling off period ''
Consumer complaint received 2023-01-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I reached out to the Bureaus on XX/XX/2022 regarding an account that is on my credit report. The account in question is XXXX, which according to my credit report, is from XXXX XXXX XXXX XXXX. I have no clue what this account is nor what is being claimed that I owe or why. As a consumer I have the right to a Credit report that is 100 % accurate and mistakes like this are unacceptable. What makes matters worse is the FCRA explains in depth the process for dispute. According to the FCRA the bureaus have 30 days from receiving a dispute to notify me, the consumer, of my right and that their status of the investigation. In the event the information is unverifiable the Bureau is required by law to remove the account. If the Bureau is able to " verify '' the account then they are to inform the consumer of their finding and the status of their disputes. It has been over 60 days since this Bureau has received my complaint. The fact that they have not notified me of their finding I believe it is because they were not able to " verify '' this account which then means that they are reporting information that is inaccurate and against the law to be on my report. I am on the market for a new house and discrepancies like this are very damaging to my credit profile. This Bureau is deliberately breaking the law and violating my rights. I am documenting this complaint for my records in the event this has to move further. I am hoping this can be resolved in the CFPB and we don't have to move further. It has been OVER 60 days that the bureau receive my dispute. It has now move past the XXXX  amount of time the FCRA allows Bureaus to handle dispute. For this reason, the Bureau has a duty to delete this account Immediately!
Consumer complaint received 2023-01-26
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. (CA)

On XX/XX/XXXX, I contacted Experian to dispute an account on my credit report from XXXX due to reporting errors on the part of XXXX that extend the statute of limitations of this account reporting. XXXX is currently reporting that I was 30 days past due in XX/XX/XXXX, no data reported in XXXX XXXX, 60 days past due in XX/XX/XXXX, and 150 days past due in XXXX of XXXX. I stated that I wanted to dispute the item because the delinquencies they reported did not add up. How can you be 60 days late in XXXX and 150 days late in XXXX. I then asked that the account be deleted because XXXX was misrepresenting the data in an attempt to illegally extend the statute of limitations on reporting. On XX/XX/XXXX I received dispute results from Experian stating that the item was returned from XXXX as VERIFIED. I have disputed this account on numerous occasions since XX/XX/XXXX and it remains on my credit report consistently reporting incorrect data that Experian and XXXX refuse to remove. I would like XXXX to remove this trade line from my credit reports as they continue to report inaccurate data and continue to falsely and illegally manipulate the statute of limitations for credit reporting.
Consumer complaint received 2023-01-26
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. 

Account name : XXXX  Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States 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 2022-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I XXXX XXXX personal information has be stolen around the beginning of the year XXXX. During the beginning of XXXX I contacted XXXX while working as an private home healthcare provider. I was hospitalized and unable to work, or take care of myself, I required XXXX XXXX XXXX, same as I provided for my clients. the entire duration of my illiness I had no control over my personal information and was taken advantage of by various individuals, as an result of being near death, someone used my personal information to open fraudulent accounts, such as a personal loan, and a medical account that provides medical and cosmetics XXXX. I can not name names, do to the fact that I was in the hospital and under sedated. The result of the misuse of my personal information im now a victim of identy theft and fraud, this is the second time that I have experience this, since XXXX when my information was apart of a data breach by XXXX XXXX. 
This has caused great discord and inconvenience to my life. This collections agency never provided any proof that the account belongs to me.
Consumer complaint received 2023-02-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (MD)

In XXXX, after several attempts to contact me about debt collection, I sent Midland a certified letter telling them to stop contacting me. 

They abided until on XX/XX/XXXX my husband was called by someone looking to collect on a debt under my name. When I called back, I spoke to a gentleman from Midland who told me that the firm had tried to contact me and that since I had not responded to the mail they had sent, they had sent my case to the courts for judgment and I would be served. Then the gentleman asked that if I had received the letter, that it offered a settlement amount of {$1100.00} and would I have been interested in taking that settlement, that if I had, he said, he " might be able to catch the clerk before he filed ''. I said no and hung up. The debt, he said, was from XXXX and sold off by XXXX XXXX XXXX in XXXX. That it was for clout for a little over {$5000.00}. 

Today, XX/XX/XXXX, I received another call from Midland and spoke with XXXX. She also tried to go into the same script of they " had tried to reach me by mail and I had not responded ''. I stopped her to verify she had my correct address, which she repeated. I told her that was my address, that I had received nothing, and that they had tried to do this call on me before several months ago. She tried to say " there is nothing in our records showing another call ''. I stopped her there and told her to stop contacting me.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Bureau shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-11-13
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. (AZ)

All three credit agencies continue to report erroneous information. There are now reporting a foreclosure on a commercial loan XXXX that had to do with a company XXXX this is continually start a Find My business reporting under my personal name and not my XXXX. I will be seeking legal action for a civil action against all three credit agencies, XXXX, XXXX, and Trans Union for continuing to report erroneous miss information. This is a notice and demand to cure this issue immediately I will be seeking civil action against XXXXXXXX XXXX XXXX as well. XXXX XXXX XXXX is also reporting erroneous information of 90 day late when that is not correct there was a forbearance plan due to the Covid act due to an illness and all the payments have been made as agreed. This needs to be corrected immediately by all three credit agencies, XXXX, Trans Union, and XXXX. There is liability looming at this point.