davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (NY)

L J ROSS ASSOCIATES IN Original creditor : XXXX XXXX {$200.00} Balance updated XX/XX/2021 i Never Open any Accounts with This Company This Account Is Fraudulent and its been Reported to my credit report i never open any accounts with this company and they are forcing me to paid them for something i never open with this company also been getting harassment phone calls from this dead collector and also fraudulent phone calls asking me to paid for this account i never open and also this collection account was place on my credit report XXXX and XXXX and requested for the credit reporting agency to dispute this Fraudulent account from my credit file i want for this company to stop harassing me to paid for Disputed With XXXX Disputed with XXXX Identity theft Account From Collection Agency
Consumer complaint received 2024-10-20
Product: Credit 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: Experian Information Solutions Inc. (MA)

On both XX/XX/year> and XX/XX/year>, my XXXX XXXX card was charged {$24.00} by XXXX ( XXXX Experian ). The charged indicated it was a membership fee. I do not have and have never signed up for an Experian membership. I disputed the charge, but XXXX XXXX denied the dispute, stating it was a valid fee. When this did not work, I attempted to sign in to my Experian account and was not able to do so. My password was not recognized, I was unable to reset my password and I was directed to call the company. When I called the number provided, I was not able to reach a person. The system took me in circles and redirected me back to the webpage. Finally, I found a number that connected me to an agent. This person checked my accounts and confirmed that I have no memberships active. They opened a case, which remains open and unresolved. I have called back to check on it multiple times, and no movement has happened. 
The recurrence of the charges in XXXX confirmed that this is part of a membership and XXXX company has ignored my case and request to cancel.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

On XX/XX/2023, I disputed a charge on my Apple Credit Card that was not authorized. I followed all of Apples instructions to update my password as they required that I change it. They then without any communication, locked both my savings account with substantial funds and my Apple Card. 

I have contacted them multiple times and they will not provide any access to my savings account until a review takes place. Despite phone calls, text messages and escalations, they will not provide access to tens of thousands of dollars that I have in their account. I can not make rent or pay my bills. 

I am beyond upset as they should not be able to lock my funds. I am considering all legal options.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Debt Validation and Cease and Desist Dear To Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number XXXX. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question.

Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the amount you are claiming is owed, including documentation of any contract or agreement related to this debt. 
XXXX. Records of all assignments showing the transfer of the debt from the original creditor to your agency. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor. 

Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report. 

Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so. 

Furthermore, I dispute the validity of this debt and request that any future collection agencies you may transfer this debt to be made aware of this dispute. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-14
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: ACIMA CREDIT, LLC (NV)

On XX/XX/21 i wen thru acima to get a qualified for a loan on a table, they approved me but the table never came, they immediately started taking money from my account, which they had to reimburse me back because the table never came, I still dont have the table, Im trying to buy a house and it showing up on my credit report, I immediately called acima again and spoke with the representative and the supervisor. They said they are aware that I havent received the table and I was told the case is close. I asked them if they can send me a letter stating that the representatives said they dont have a letter that will state that but I can dispute it and they want fight it, I need help this company put something on my credit that I never received and its going to cause me to pay out more money or I want qualified because of this loan
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-17
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: EQUIFAX, INC. (CA)

Accounts XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # : XXXX, XXXX  XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX : unauthorized Inquiry,, XXXX XXXX : unauthorized inquiry,. 

Pursuant to 15 USC 6802 this is an official document to opt out the furnishing, publishing, and communication of all information regarding these accounts. Pursuant to 15 USC 1635 this is an official document to exercise my right of rescission, Nunc Pro Tunc for any contract, transaction, information, and my signatures associated with these accounts. Pursuant to 15 USC 1692c communication in connection with debt collection, this is an official cease and desist letter to stop all communication, furnishing, information and attempts at collecting for these fraudulent accounts. This is an official request and instruction to remove and delete all information regarding these accounts. I dispute under 15 USC 1692h all letters that these companies sent me have been abusive in some form or faction and these companies cant present evidence, whether they call themselves a creditor, third party debt collector or whatever, under federal rules of particular procedures 28 USC 3002 including 18 USC 8, if they're not a United States Attorney General or assisting the United States Attorney General, if they dont have litigation authority from a federal agency to collect a debt then this company is a private attorney. Cease and desist all communication and information regarding this account until they can present evidence of a contract to collect services in accordance with 31 USC 3718. Show me that they have established a contract with the treasury to collect debt, if not, then these companies are using abusive debt collection practices. Pursuant to 15 USC 1692g I submit that I no longer validate these alleged debts until they can show me evidence of the journal or ledger entries that shows that more debt exceeds the amount of credit gained on the account. I allege that these corporations have gained 9-10x the amount of debt established. If thats the case, then according to the Generally Accepted Accounting Principles I allege that I dont owe a debt and this information violates my consumer rights. These companies have been contacted and these companies information violates FDCPA and FCRA requirements. I am the original creditor. I am the consumer. 

Please Delete, Remove and Block All Information Regarding These Accounts Immediately. 

Under TITLE 1.81.5. CALIFORNIA CONSUMER PRIVACY ACT OF 2018 PLEASE DELETE ALL MY PERSONAL INFORMATION PURSUANT TO THE CCPA. 
RIGHT TO OPT-OUT OF SALE OR SHARING. 
PLEASE OPT OUT OF THE SALE OR SHARING OF MY PERSONAL INFORMATION. 
STOP SELLING AND SHARING MY PERSONAL INFORMATION.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TX)

I have been paying back a student loan for over XXXX years. I've applied for economic hardship over the years but I would like a full summary of the XXXX payment history. I don't agree with the current balance based on the original loan amount. 

Can someone please assist. I'm still paying on a student loan at the age of XXXX and can not afford to assist my current kids pay for college.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (NJ)

We completed a loan modification with Specialized Loan quite a while ago, however they continue to report our mortgage as a mortgage in foreclosure. That information is not correct, as this is now a mortgage in good standing. We have asked them to correct this listing multiple times, but they refuse to do so.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (PA)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PENN CREDIT CORP Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious PENN CREDIT CORP Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. 

SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Climb Credit Inc. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (AZ)

My bank money lion/roar money banking is my current bank Im using. I had both my state and federal return direct deposited into my account. My state went through just fine but when my federal that was about XXXX deposited they locked my entire account. I called the customer service to see what I could do and they said I needed to get a notarized statement from the irs along with a copy of the irss state issued id card saying that was the correct amount. After calling the irs they said it was impossible they dont do that and that the deposit is coded so the bank shouldnt have had a problem with it. I returned to calling my bank and then just repeating there was a specialized team handling it that they refused to let me speak to. I asked to just have them refuse the deposit and close my account and they said they couldnt do that even though in their contract that I signed when opening the account stated I could at any time for any reason. This bank is refusing to resolve the problem and holding on to all my money not just the suspicious deposit for an unknown amount of time. I would please like help with this situation and honestly would like to suggest this bank establishment be investigated as a whole. I have video evidence of the way they were talking to me and refusing to help
Consumer complaint received 2022-07-18
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. (MI)

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX BANK XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX BANK XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX A XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-10
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report 2.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3 FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately