davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : LVNV Funding LLC Address : CARE OF RESURGENT CAPITAL SERV XXXX, SC XXXX Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX, XXXX Tx, XXXX Dear LVNV Funding LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc. (VA)

This is a follow up to complaint XXXX CFPB closed the complaint after the company refused to open an account for me and refused to tell me why other than unspecified " irregular activity and/or security concerns. '' Clearly these aren't real concerns. If they were real, they would tell you or me what they are. I have a right to know if someone believes I've done anything wrong. If it's based on a faulty credit report, I can get that corrected. If it's based on defamation, I can take civil action. 

Most likely, the bank simply failed to do its job and made up a reason. The fact that they used " and/or '' tells you it's a form response and not a specific answer. 

I want a specific answer. And if they won't tell me, they should tell you. 

Why wouldn't they open the account? 

What " irregular activity '' do they think they know about? What was it? What was their source for it? 

What " security concerns '' did they have? What was it based on? Did someone on the dark web have my name and password. What is it? 

If someone has committed identity theft on me, I have a right to know about it, so I can report criminal activity to the proper authorities. 

As it is, the bank simply refuses to open an account for me and refuses to say why. 

I also want to know if they are taking retaliatory action based on my complaint with you, the CFPB. 

I did call them several times and warned them I would file the complaint with you if they wouldn't tell me why they wouldn't open the account. 

Doesn't he CFPB have power to require the bank to either open the account or tell me why they won't? 

Please do not close this complaint unless and until the bank answers with specifics as to what's going on here. If my financial standing is in jeopardy, I want to know why. If there is some false record about me in some secret file, I want to correct it.
Consumer complaint received 2022-12-14
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2020-12-27
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. ()

I have taken two wheeler loan from XXXX XXXX XXXX XXXX .loan application number is XXXX. My loan has been closed but the company XXXX XXXX is not sending my report to CIBIL. Because of this my CIBIL SCORE has gone down. My CIBIL is showing that the last payment I have made to the lender on XX/XX/2020 but the truth is I have made several payments after that. 
Please have a look attached loan statement.
Consumer complaint received 2020-10-09
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)

I am looking at my XXXX XXXX score on XX/XX/XXXX. There is inaccurate information on my XXXX XXXX. Transunion is showing in collections that I owe XXXX XXXX XXXX  Opened XX/XX/XXXX {$2700.00} Original creditor : 11 XXXX XXXX. This is all 100 % wrong and inaccurate. All the other credit companies have removed this from my file as I did not owe t-mobile anymore and this was a misunderstanding which was resolved by there customer service team. I just want accurate information on my credit report thank you.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Arbor Professional Solutions, Inc. (MI)

XX/XX/2022, {$500.00}, The company is call Arbor Professional Solutions and the woman threatened to take me to court due to the debt. She said unless payment and the check is shown they will take legal action. In order get the documents needed, it will take some time to get them from my insurance as I would have to send them back and then I could send them to this company. I contacted my city in order to ask for more information on this debt because I thought it was for thXXXX XXXX XXXX  that had happened. I had called the company that had sent off my information to this company and it turned out to be something completely different. It was for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was sent bills but it had the city of XXXXXXXX XXXX address on it. It never stated it was for the XXXX  department for a bill, I was then told by XXXX that I needed to show proof insurance but it's past XXXX XXXX of that and nothing can be done. I was never notified of this, I sent responses with medical insurance information because it never said otherwise. I dealt with the XXXX, and XXXX  that day. So I don't understand why I was charged this when XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-01
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C 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. 

XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX TRANSUNION ADDRESSES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EMPLOYER : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX 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
Consumer complaint received 2022-11-19
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Terrill Outsourcing Group (AL)

They have 2 business names listed on the debt notice. Superlative RM and XXXX XXXX XXXX XXXX. 
I spoke with the debt collection agency in an attempt to have this cleared up. I have never recieved a bill for this prior to the debt collection notice. The debt collector would not send a paper with proof that the debt belonged to me without me sending in money. A relative then paid XXXX and we still have yet to recieve proof this debt is mine. 
The debt collector claims its from a hospital that I have only visited one time in the last year and that was a workers comp visit due to my finger being chopped off at work. I do not owe anyone money. If the debt was not paid that is an issue for the worker comp company that was given the bill. The nurse took all of the information needed for workers comp as well. The manager of the company I worked for ( XXXX ) stated that this visit was paid for by the workers comp. I know for a fact that you can not collect a debt from me on medical bills paid for by workers comp. 
I will not be sending them any money. They need to remove my name from this debt as it clearly is not mine or they would have provided proof like required.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BBVA FINANCIAL CORPORATION (CA)

Hi, I was affected by COVID and reached out to BBVA after receiving a letter they were offering assistance on XX/XX/XXXX. I spent 59 minutes on the phone with them ( call log attached ) better understanding the terms of COVID relief and confirming that my 0 % balance transfer offer was extended through XXXX. I was transferred to 4 individuals who struggled to find the information but finally, the last one confirmed that XXXX was when my interest rate would increase for both of the balance transfer offers I had. I'm sure the recorded phone call would have that detail. 
As you can see in the attached statement, I started receiving finance charges on the account on XX/XX/XXXX. I made arrangements to pay the balance as soon as I could as I saw that I had incurred the charges, making a payment on XX/XX/XXXX. When I received the next statement I saw that the entire balance was being charged interest even though I'd been told that I had 0 % until XXXX. I called on XX/XX/XXXX and explained the above and was told that they could not reverse interest charges but would open a ticket and that I would receive an answer within 5 business days. Today is XX/XX/XXXX and I have yet to receive a response. I've paid off my entire balance and have been charged even more interest. 
Had I known I would've been charged this interest, I would've made arrangements to pay off the balance, even until financial distress. I'm reaching out because I can not get a call from customer service and feel that I've been taken advantage of under the pretense that they are helping me during COVID. I have attached a copy of my statement, call log and email confirming my COVID assistance on behalf of the company.
Consumer complaint received 2020-10-09
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: U.S. BANCORP (IL)

I have noticed that they have placed an inquiry on my XXXX credit file dated XX/XX/XXXX and XX/XX/XXXX that I never authorized and your Person is therefore in violation of federal statute : 15 U.S. Code 1681b regarding Permissible Purpose for accessing consumer credit reports. Additionally, this inquiry is reporting verified to 3B but provided no verification of my authorization.
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (KS)

I rented a car from XXXX XXXX a car in XXXX XXXX MO on XX/XX/2022. Car was to be returned on XX/XX/2022. However, In the morning of XX/XX/2022, I got ready to go to my appointment, which was the major reason I rented a car, because my I dropped off my car at the mechanic. I started the car and it wouldn't come on. I called XXXX customer service, the lady I spoke with on the phone tried to see if she can walk me through trying to start it. It didn't work. She told me it may be more than just a battery situation and said she will send a tow to come and get it and also informed me that a replacement vehicle has been set up for me at a different location. I went to the other location and they told me they did not have any car available for me. I called XXXX customer service to inform them. they sent me to a different location, yet I did not have any car. I went ahead to my appointment. The car was towed and I did not get a replacement. And by that afternoon when it was towed, I have taken multiple Ubers to get to my appointment. I called XXXX to report this and they said to see what they can do. I rented the car via my XXXX XXXX credit card which seems to have collaboration with XXXX. I called my credit card and informed them and filed a dispute because I did not use the car for the whole intended duration and did not get a replacement. I was not going to pay for a service that was not provided. My credit card company credited me an adjusted total of {$180.00}. I was told by my credit card company that it's been resolved. I went to military training since XX/XX/XXXX and I just got back home, and I was going through mails and I saw that I had a collection from Vikings Client Services LLC, representing XXXX in collection of {$180.00}, " a debt that I owe '' and that I was placed on " do not rent '' by XXXX. Which I did not understand because I have rented from XXXX after the fact. I called XXXX customer service and was told they couldn't see where I owed money. I called Vikings client services and they insisted that I owed XXXX money and that I'm still on the " do not rent '' list.
Consumer complaint received 2022-04-01
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. (MO)

XXXX will not allow me to dispute inaccurate credit information by not allowing me to log in. They keep replying that my password is incorrect even after I am allowed to go through their Forgotten Password protocol.
Consumer complaint received 2022-08-17
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-19
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. (NJ)

After reviewing other laws in the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the ORIGINAL signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I would like to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. They have failed to positively verify these accounts with PROOF and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I would like the following accounts to be removed immediately. Also 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 All 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 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. After their most recent reinvestigation they still show inaccurate information on my credit report.

I have attached proof of my credit report documents after their reinvestigation.