davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (GA)

I am writing to file a formal complaint against Resurgent Capital Services regarding their mishandling of a disputed collection account reported on my credit file. Despite my repeated attempts to resolve this issue, Resurgent Capital Services has not addressed my disputes adequately and continues to report inaccurate information on my credit report. I had a collection with LVNV and I filled this collection in my Bankruptcy. I would like to know why it is showing back on my credit report. This collection has lowered my credit score. I sent an email back on XX/XX/XXXX. Asking them about this. I haven't received a response back. I would like this item removed from my credit report. I've contacted the XXXX XXXX to assist me with the issue to get a response back from LVNV. They stated they are not reporting this and to contact the credit bureaus about this matter. Credit Bureau XXXX says they are furnishing the information to them that's the only way the item is getting reported on my credit report. I filed Bankruptcy in XXXX of XXXX, and the case was dismissed in XXXX of XXXX. My updated credit report showed the item removed. In XXXX in XXXX LVNV rereported the information to XXXX to be added back to my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b, credit inquiries can only be made with permissible purpose. Resurgent Capital Services did not have my permission to conduct this inquiry, which constitutes a violation of this law. As per the FCRA, I am entitled to damages of { {$1000.00} } per violation. Inadequate Dispute Responses I have been disputing the following collection accounts for months, and Resurgent Capital Services has failed to provide a satisfactory response : Despite my repeated disputes and submission of supporting documentation, Resurgent Capital Services has continually responded with generic letters, failing to address the core issues of my dispute. The letters I received simply state that they manage the account for LVNV Funding LLC and have initiated a review. Under FCRA Section XXXX ( a ) ( XXXX ), furnishers of information are required to correct and update information that they determine to be incomplete or inaccurate. Resurgent Capital Services has not complied with this requirement, as the disputed accounts remain inaccurately reported on my credit report. Please find attached copies of the responses from Resurgent Capital Services and my credit report showing the unauthorized inquiry. Thank you for your prompt attention to this matter. Your assistance is greatly appreciated.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (PA)

Resurgent LVNV FUNDING obtained my personal information without my authorization or consent. I have NEVER did business with this company and have no knowledge of this company nor do I have a contract with this company. This is aggravated identity theft and I have made a complaint with the CFPB, this company responded stating they are authorized to collect on this account even though, I have not authorized or signed any contract with this company. I have not authorized for this company to have my personal information and do NOT agree to do business with them. This company also by the name of Resurgent Capital Service also inquired of my consumer report on XX/XX/year> without my consent.
Consumer complaint received 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (CO)

Company : RoundPoint Mortgage Servicing LLC * Pay-Off loan funds were electronically transferred and received XXXX by Servicer.

* Servicer 's stated reception of surplus escrow funds, {$2200.00}, is 20 business days, i.e., approximately one month. 
* On XX/XX/year> Servicer stated a check was cut on XX/XX/year>. While a request for the XX/XX/year> check number was requested, no check number could be provided. 
* No check received by XX/XX/year>. Upon contact with an escalation representative at the Servicer on XX/XX/year>, their representative stated that a stop payment was initiated for XX/XX/year> check with a request to expedite a new check for escrow surplus funds. Check numbers were requested, but none could be provided. 
* No check was received by XX/XX/year>. Again, upon contacting an escalation representative at the Servicer, a check number was requested, but no check number could be provided. 
* As of XX/XX/year> no check has been received. 

In summary, I have no evidence that a check was cut XX/XX/year>. Through three consecutive contacts with the Servicer 's representatives the representatives describe back-office processes as a rationale for delay of getting a check cut for surplus escrow funds produced for mailing. It has now been forty-seven business days, 135 % beyond stated target, since the loan was paid off. Their back-office processes are irrelevant, i.e., unacceptable excuses. This now looks very much like corporate malfeasance.
Consumer complaint received 2024-09-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX CAPITAL ONE AUTO LEGAL DEPARTMENT RE : CAPITAL ONE AUTO FINANCE. Opened XXXXXXXX XXXX XXXX {$20000.00} Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open a CAR LOAN at your company. I did not open or authorize this account, and I therefore request that this account be closed immediately. I also request that CAPITAL ONE AUTO FINANCE absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report AND POLICE REPORT supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX Enclosures : POLICE REPORT Identity Theft Report Copy of Credit Report CFPBs Notice to Furnishers of Information [ PDF ]
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (PA)

To Whom It May Concern, This is a formal complaint letter concerning inaccurate and discrepancies I have found in my credit report. I Have recently pulled my credit report having negative and inaccurate information has affected me trying to buy a house. I have disputed with XXXX and mailed all the companies disputes and validation letters of all my accounts, it has been 13 days since I mailed the request, and 3 Letters have been returned not deliverable addressed unable to forward. 
1. XXXX XXXX XXXX - {$870.00} 2. U S Department of EDXXXX {$3300.00} 3. U S Department of EDXXXX {$4100.00} 4. XXXX Accounts Charged Of {$12000.00}. Closed Account- {$8500.00}. Another Closed Account Paid but still in my credit report. 
5. XXXX XXXX XXXX XXXX {$580.00} 6. XXXX XXXX - Paid Closed Account 7. XXXX XXXX - Paid Closed Account 8. XXXX XXXX XXXX Paid Closed Account
Consumer complaint received 2024-10-03
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. (NC)

XXXX XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I noticed anytime an mortgage is is transferred to a new servicing it reports as a new account to my credit report. This has an adverse affect since my credit score is based on length of time since an account has been open and I do n't have any control of when my mortgage is transferred to a new servicer. It makes it seems like I have had numerous mortgages opened in the last couple of years when really it is the same mortgage that just been transferred numerous times.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting 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. (NY)

XX/XX/year> Hard inquirie from XXXX XXXX XXXX XXXX XX/XX/year>, hard inquiries from XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NV)

Consumer name : XXXX XXXX, consumer social security XXXX, Consumer Date of birth : XXXX XXXX, Contents of complaint : This CFPB Complaint has been filed to request pursuant to FCRA 605V ( 15 U.S.C 1681c -2 ) that you, the XXXX Reporting Agency , Block information appearing on my consumer Credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal Credit collection service account XXXX XXXX XXXX ( Account number XXXX ) Date opened XX/XX/XXXX Jefferson Capital Syst ( Account number XXXX ) Date opened XX/XX/XXXX XXXX XXXX XXXX ( Account number XXXX ) Date opened XX/XX/XXXX XXXX XXXX ( Account number XXXX ) Date opened XX/XX/XXXX Jefferson Capital LL ( Account number XXXX ) Date opened XX/XX/XXXX XXXX XXXX XXXX ( Account number XXXX ) Date opened XX/XX/XXXX Credit Coll ( Account number XXXX ) Date opened XX/XX/XXXX JEFFCAPSYS ( Account number XXXX ) Date opened XX/XX/XXXX XXXX XXXX ( Account number XXXX ) Date opened XX/XX/XXXX Late payments remove XXXX XXXX  ( Account number XXXX ) Date opened XX/XX/XXXX THESE ARE THE LATE PAYMENT DATES ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) XXXX ) INQUIRIES XXXX Inquiry dateXXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX Credit report. I've attached a list of the hard inquiries and collections as well as a copy of my consumer report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts. collections, and hard inquiries appearing on my consumer XXXX Credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a result of Identity Theft and fraud. I have attached a copy of FTC identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commision that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I have experienced the following problems listed below with my lenders. 
misleading about income -driven repayment plans and did not discuss with me payment options.

I tried to call my lenders and I was advised to give me a forbearance. 
This accrued interest significantly and this affected my credit and did harm to me. 

My lenders continuously Botching Payment Processing, the payment amount was not clear and I was not certain what amount to pay. 

mproving credit scores and consequences of federal student loans rehabilitation The principal balance that I owe is increasing due to compounding interest on my loans. I was advised my credit score would improve by refinancing. This has caused harm to my credit and I was steered wrong with this information.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MD)

XXXX has unilaterally changed its XXXX investment program so that members whose XXXX cash was in the existing XXXX XXXX account forcibly had their money transferred to XXXX XXXX inferior proprietary system.
Consumer complaint received 2016-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I moved out of my apartment and did a walk-through at the ending of XXXX XXXX, 2016. I never received a breakdown of the ending charges for the walkthrough however I was told it would be mailed to me. On XXXX XXXX I received a call from a collection agency called IQ International in regards to my previous Apartments. They told me that I owe {$470.00} was so I told them this was a mistake and I needed to call my previous Apartments. I called the apartment and they told me they made mistake on the bill and that they sent me a statement 2 weeks after I moved out ( XXXX XXXX ). XXXX XXXX XXXX managed by XXXX XXXX XXXX told me to wait a couple days before I call the agency which is not a collection agency. But the collection agency IQ International called me back ( the same day ) and told me if I do n't pay them in 10 days that I will pay 12 % of the balance each day and it will go on my credit report. So my lawyer sent a dispute of payment on XXXX/XXXX/16 & still have n't received a response. It just seems unethical that they did n't even give me 30 days to pay nor for the letter to even reach me. The collection agency responded to the Attorney General that they settled on XXXX/XXXX/16 ; however, my Attorney never received a response from them. And they reported it to the credit bureau.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Assistance Corporation dba Revenue Group (OH)

I've been contacted a couple of times by a company called Revenue Group from XXXX Ohio. They claim to be trying to collect a debt from the XXXX XXXX. I have been using the XXXX XXXX for a while and I believe all charges have been paid either from my health insurance company or be me either directly to the health provider or through me XXXX account. the Revenue Group does not provide any detail as to what charge is unpaid or for what sevice the charge was for. All the say is you us {$1600.00}. I have no idea who these people are or what they are trying to collect.
Consumer complaint received 2024-10-03
Product: Credit reporting 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. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (CT)

My personal information was exposed to a data breach in XX/XX/XXXX and multiple fraudulent credit cards were opened up in my name XX/XX/XXXX Resurgent/LVNV FUNDING DEBT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

I had a car loan through Wells Fargo. I had changed insurance companies XX/XX/XXXX and by XXXX of XXXX Wells Fargo was trying to repossess the car because they charged me for insurance, at XXXX $ +, that was already on the car through XXXX. During this time. I still had to submit a large sum of money to overcome this deficit that continued to accrue interest. By XXXX of XXXX I got out of the loan and a heightened payment and interest.