davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
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 LVNV funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 3 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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to address the unlawful reinsertion of a previously disputed and removed debt on my credit report. This reinsertion occurred without the legally required notification, in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I am concerned about the accuracy of the information provided, as well as the protection of my personal information, which federal law mandates must be safeguarded by your agency. Accuracy Obligations Under the FCRA and Case Law The FCRA imposes a duty on credit reporting agencies to maintain and follow reasonable procedures to ensure the accuracy of information included in consumer reports. This duty is articulated in 15 U.S.C. 1681e ( b ), which requires that CRAs ensure maximum possible accuracy. Several court decisions underscore the importance of this obligation : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : The court held that a CRA is responsible for verifying the accuracy of information in a consumers credit report and can not rely solely on the information provided by creditors, especially after a dispute has been raised. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that CRAs must conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report, and that they can not simply rely on the information provided by a creditor. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case emphasized that CRAs must do more than simply verify the accuracy of their data with the original source ; they are responsible for ensuring that the data is correct. 
Permissible Purpose and Protection of Personal Information In addition to ensuring accuracy, federal law requires that CRAs only share my personal information with third parties who have a permissible purpose under the FCRA. Specifically, 15 U.S.C. 1681b outlines the permissible purposes for which a CRA may furnish a consumer report, which includes credit transactions, employment, insurance underwriting, and other legitimate business needs. Importantly, 15 U.S.C. 1681b ( a ) ( 2 ) requires that my written consent must be obtained before sharing my credit report for purposes other than those listed in the statute.
Consumer complaint received 2024-09-23
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

1. Failure to validate the alleged debt as per my rights under the FDCPA. To date, the agency has not provided any documentation proving the validity of this debt, yet they continue to attempt to collect it. 

2. The collection agency has contacted me in an abusive and harassing manner, including calling multiple times per day, calling at odd hours, using threatening language. These actions are in direct violation of the FDCPAs provisions regarding harassment and abuse. 

3. The collection agency has reported this alleged debt to the credit bureaus without validating it and has failed to mark the account as " disputed '' despite my request. This violates the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting of debt information. 

4. The agency has threatened legal action that has not been initiated, in violation of the FDCPAs rules against using false or misleading representations.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DIGITAL FEDERAL CREDIT UNION (MA)

Deposited cash and upon checking my receipt, at the counter, told the cashier the amount was incorrect and that I was short {$540.00}. The cashier did not count my money prior to putting it into an automated cash counter UNDER the counter where the customer could not see it. He stated he could not get the cash out to count it back to me. An audit of the machine and review of camera footage, per the bank, showed no results. I personally counted the money XXXX times as well as my husband.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

I have a XXXX XXXX Credit Card from Comenity/Bread Financial . My previous balance in XXXX was in the vicinity of {$22.00}. I had made a purchase that was {$30.00} plus shipping, coming to roughly {$41.00}. I admit that I was late ( an oversight that month ) paying the bill and they charged me late fees. I returned the item because it didn't fit and expected to have a credit against my account of nearly {$30.00} ( I paid the return shipping ) and I told XXXX XXXXComenity that I would pay the balance of the account when i was given the credit. They told me they gave it to me but could only remove {$15.00} worth of late fees. I accepted that and the next month came with a new bill. My balance according to them was {$57.00} or so and a minimum of {$37.00} due by XXXX XXXX. I made payments in increments and unfortunately I was maybe {$2.00} short. They have now billed me {$37.00} again plus another late fee of {$15.00} for being {$2.00} short, and want {$37.00} by XXXX XXXX. {$57.00} for being {$2.00} short?? I acknowledge that the amount was short but their charges are highway robbery. Anything that you could offer would be most appreciated. Thank you for your time.
Consumer complaint received 2024-09-24
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. (CA)

My information was exposed in a data breach. In Accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ACCOUNT NAME : XXXX XXXX XXXX. ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$11000.00} ACCOUNT NAME : LVNV FUNDING LLC ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : LVNV FUNDING LLC ACCOUNT NUMBER XXXX ACCOUNT BALANCE : {$1100.00} 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 also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S. Code 1692f states : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 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. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. )
Consumer complaint received 2024-09-24
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: Global Lending Services LLC (TX)

I am writing to formally dispute the following inquiries on my credit report, which are unauthorized and fraudulent : - XXXX XXXX XXXX XXXX  ( Multiple inquiries on XX/XX/XXXX- XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX, and XX/XX/XXXX ) - GLOBAL LENDING SERVICES LLC ( XX/XX/XXXX ) - XXXX XXXX XXXX  ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX, XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX  XXXX XXXX ( XX/XX/XXXX, and XX/XX/XXXX ) - XXXX  XXXX XXXX ( XX/XX/XXXX ) I spoke with a representative from XXXX, who informed me that the reporting income was tied to an employer, XXXX XXXX with whom I have never been employed. This information is not only inaccurate but also fraudulent. 

I have already contacted all three credit bureaus ( XXXX, XXXX, and XXXX ) to request the removal of these inquiries. I am asking that these fraudulent inquiries be removed from my credit report immediately.
Consumer complaint received 2024-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (MT)

I am the original borrower on a mortgage through Lakeview Loan Servicing. On XX/XX/year>, a loan assumption was completed, and the mortgage was transferred to the new borrowers. Despite this, on XX/XX/year>, the new homeowner called Lakeviews automated system and authorized the XXXX mortgage payment of {$1700.00}. This payment was erroneously withdrawn from my personal bank account. 

On XX/XX/year>, I contacted Lakeview Loan Servicing to report the unauthorized withdrawal. I was instructed to provide proof of payment through my bank, which I promptly submitted. Since then, I have called daily to request a refund of the payment that was illegally processed. 

However, I am being given the runaround. I am consistently told that, because I am no longer on the loan, no one can speak to me, and a case manager is supposedly " looking into it. '' Despite my repeated requests, I have not been put in contact with this case manager. Lakeview representatives have also falsely claimed that attempts to reach me have been made, though I have not received any phone calls or emails since reporting the error. 

The lack of communication and the refusal to address or resolve this issue has caused significant frustration and financial burden. I seek assistance in recovering the funds that were wrongfully taken from my account and ensuring that Lakeview Loan Servicing addresses this matter properly. 

Thank you for your assistance.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC (TX)

VALIDATION AND CEASE AND DESIST Collection Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Collection Management 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. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. 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 2024-09-24
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Advance America, Cash Advance Centers, Inc. (KS)

I received a notice of default from Advance America on XX/XX/year>. The default amount is {$1300.00}. I did not take out a loan with Advance America. 

I went to the Advance America place of business on XX/XX/year> and asked about this loan. I was told to file a police report and to go online and report fraud.
Consumer complaint received 2024-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

This company repeatedly puts negative items on my credit report with different dates for an aleged medical debt. They are violating my HIPPA rights, they are using my non public information and I have no contract with them, and they are negatively affecting my credit score. The credit reporting agency XXXX know this because I have told them several times but they just say the debt was verified, by who, not me, where is the evidence that I owe Franklin anything?
Consumer complaint received 2024-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

Nissan motor company is reporting me as past due and stating that a full payment needs to be paid. Nissan has approved and pushed through deferred payments and agreed to extend my loan in 2022 but now is stating that regardless of deferred payments a full payment must be made immediately to take the past due balance off my account. The maturity date does not align with the deferred payments and is now affecting my credit negatively. Nissan has not changed or accurately documented the deferred payments now resulting in a past due payment and reporting me.
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

We are a company that does engineering work abroad in XXXX and we do business in XXXX. 

Until XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX was used for money transfers to XXXX. However, as of XX/XX/XXXX, XXXXXXXX XXXX announced that it will not send swift for money transfers to XXXX. 

After this decision by XXXXXXXX XXXX banks located in XXXX started working with new intermediary banks. However, Citibank, are still working with XXXXXXXX XXXX. This bank have not made this update in their own swift system and they are acting extremely irresponsibly. 

Despite this, transfers made through XXXXXXXX XXXXk are not transmitted to the other party by XXXXXXXX XXXX And we, as a company, are extremely victimized. We can not pay our employees ' salaries due to this irresponsible behavior of CITIBANK. 

For this reason, They need to update the intermediary bank for transfers made to XXXX immediately. Otherwise, a criminal complaint will be filed with the New York prosecutor 's office against CITIBAN for causing victimization and irresponsible behavior.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. I paid the original creditor before the collection/charge-off status Account information is inaccurateAccount name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX original debtor XXXX XXXX XXXX Reported on XX/XX/year> XXXX {$620.00} Account details TransUnion LLC Account XXXX XXXX Date opened XX/XX/year> Contact info XXXX & XXXX XXXX XXXX XXXX XXXX ( TransUnion LLC ) Collection Account details XXXX Account type Collection Account status/number XXXX Date opened XX/XX/year> Date closed XX/XX/year> Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights . 

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

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 USC. 1681-2 ( 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