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)

Dear LVNV Funding, LLC, I am writing to dispute the validity of the debt you have reported under the account number referenced above. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am formally requesting that you provide full validation of this debt. Until the requested information is provided, I dispute the debt and demand that any negative reporting regarding this account cease immediately.

I require the following documentation to substantiate your claim : 1. The full name and address of the original creditor for whom this debt was allegedly incurred.

2. A detailed breakdown of the amount you claim is owed, including a clear explanation of how it was calculated, itemizing any interest, fees, or additional charges.

3. A complete and accurate copy of the original signed agreement or contract, which demonstrates that I am legally obligated to this debt.

4. The assignment contract or purchase agreement showing the transfer of this debt from the original creditor to LVNV Funding, LLC, establishing your legal right to collect.

In addition, it has come to my attention that your attempts to collect on this debt may have violated my rights under the FDCPA, particularly in regard to unlawful communication practices as outlined in 15 U.S.C. 1692c. As a result of these violations, I am formally requesting that you immediately cease all further communication with me regarding this matter.

If you are unable to provide the requested validation within 30 days or if your communication practices are found to be non-compliant with federal law, I will expect immediate action to remove this collection from all credit reporting agencies. Failure to provide proper validation or continued communication in violation of the law may result in further action on my part, including reporting your companys conduct to the Consumer Financial Protection Bureau ( CFPB ) and taking legal measures to enforce my rights under the FDCPA. 

I trust that you will handle this matter with the seriousness it warrants and look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 ATTACHED LETTERS.
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NJ)

Date opened XX/XX/2021, amount charged off {$2400.00} Discover credit card closed XXXX XXXX XXXX XXXX {$34.00} dollars past due I was unaware of these unauthorized transactions
Consumer complaint received 2024-10-16
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: EQUIFAX, INC. (MS)

I have experienced idenity theft. There are accounts and inquiries that I didnt initiate or open. The following accounts are 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 2024-09-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

This debt was originally owned by XXXX XXXX XXXX  I disputed it with XXXX, XXXX and consumer finance because it was not mine. It was removed because it was not mine. It has now been purchased by I.C System Inc. and once again added to my credit report. They have never sent proof in written form, telephone or email of proof of debt. I know the debt is not mine, yet it keeps ruining my credit report every time it is sold to another company. I request that this XXXX XXXX XXXX mobility debt be removed from my credit report.
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (NC)

On several occasions via text messages from XXXX XXXX has XXXX me text messages regarding an alleged debt on XX/XX/year>, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. On XX/XX/XXXX, I requested the forward flowing agreement or purchase order between XXXX and myself to prove I have contracted with them within XXXX business days. They should have sent it via XXXX mail which was clearly stated. I have yet to receive this request. 

On XX/XX/XXXX, XXXX has agressively inserted themselves on my consumer reporting with a collections via XXXX XXXX XXXX XXXX. This is clearly identity fraud and I am demanding XXXX to remove and permanently delete this collections off of my consumer report. Cease and desist IMMEDIATELY! 

XXXX has not provided said request and this does not give them permission to violate me in any way. You have to prove this debt!
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CULLEN/FROST BANKERS, INC. (TX)

Frost Bank Recovery reported Fees not paid on a closed account to XXXX  and early warning. The balance was paid ( receipts and confirmation of delivery attached ) they are refusing to update the information to clear the negative reporting of fees due.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Denali Capital Holdings, LLC (TX)

account from XXXX XXXX, that I did not authorize and know nothing about, called XXXX XXXX and requested a copy of the original service/credit file. XXXX XXXX responded that the account had been sold to a collection agency ( XXXX XXXX ) ( XXXX ) To request a copy of the credit/service file I requested from the original creditor. I have been unable to reach anyone at denaili capitol. I am requesting the full original credit/service file that includes signatures of whoever opened this account, ip addresses, credit card/routing numbers of the payments that XXXX XXXX state were processed . I need the requested information to validate/disprove debt. I t is my right to request the documents from the creator/collection agency. I am a identity theft victim and need proof of the account. I can supply a fraud affidavit from the ftc and police report if needed.
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (NM)

I'll start off by saying that I already have an outstanding complaint in with the CFPB because Truist can not, for the life of themselves, simply take the money I put in escrow every month, then pay insurance companies correctly, and then acknowledge the live policy with XXXX page from my homeowners insurance that they have been provided. This has been an ongoing issue that has been completely maddening and has wasted a tremendous amount of my time. 

This issue though is not in regards to my homeowners insurance, but to my flood insurance. I am required to have flood insurance on my mortgage. I have coverage. Coverage has never lapsed. I have always had the amount of coverage the bank has requested. The flood insurance premiums have always been paid out from my escrow and Truist always gets a copy of the XXXX pages. 

And yet, today I got a letter stating that : " Our records show that your flood insurance does not provide sufficient coverage and we XXXX not have evidence that you have otained sufficient coverage ... '' It then goes on to tell me that they will place bank-forced insurance onto my account and charge me for that policy if I do not comply. 

Even if I did have " insufficient coverage '', then sending me a threatening letter without telling me what " sufficient coverage '' would actually be, is mind-blowing in its complete ineptitude. I know that the CFPB and various government regulations mandate that these sort of letters be sent out. I also have no doubt that no where in the regulations does it advise/insist that mortgage companies send out letters that inform customers of absent or insufficient insurance, but then advise the lender not to even inform the customer of what " sufficient coverage '' would even be! 

Regardless of all that though, I don't, and never have had " insufficient coverage ''. This was acknowledged on a phone call I made this afternoon, XXXX XX/XX/year> at XXXX. I spoke to a representative named XXXX who reviewed my account and acknowledged that I had flood insurance on both my main home structure as well as a separate policy on the guest house structure. XXXX also acknowledged that I not only had coverage, but that my coverage was " sufficient ''. 

She said she would put in a request internally for someone to fix the issue that triggered my getting these notices in the first place, but after having received so many of them, I do not have any faith that Truist can manage their own processes, and that I won't be sent another letter threatening to fine me for not paying for insurance that I already paid for, and that Truist simply can not record correctly in their own systems.
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion, and XXXX is reporting a inquiry account for XXXX XXXX They refuse to remove it, they refuse to move it I never heard of this account any account or signed up for anything.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 ATTACHED LETTERS.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

At this point, TransUnion failed to adhere to Federal Trade Commission Report and all other credit reporting agencies honored the request from a fraud victim. So, from this point, this case should be forwarded to the Department of Justice for further investigation. Furthermore, an attachment of my personal lawsuit for punitive and compensatory damages to me and family. Thank you.
Consumer complaint received 2024-09-30
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: Experian Information Solutions Inc. (CA)

On XX/XX/year>, I submitted supporting documentation to have items from when I was XXXX off my credit report with experian. Experian refuses to remove the items although I submitted all documentation that was requested per their site in regards to the act XXXX XXXX passed.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit 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 an installment accounts opened at DEPT OF ED on various dates Account number ( XXXX ) an collection account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts and address have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the 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 Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-16
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)

This letter is to inform you that I have become a victim of identity theft. 
Icontacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 


Please remove the following unauthorized hard inquiries from my Equifax credit report : XXXX. XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year>
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I received a suspicious call this morning verifying a bank account that was being opened under my name online. I have not attempted to open a business checking account online with Wells Fargo. I hung up with them and called Wells Fargo and Wells Fargo had no record of me attempting to open an online business account. I believe these people were fishing for more information about me to complete whatever type of fraud they are trying to commit.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CO)

opened up a credit card with amx. 

Had auto pay set up, it didn't go through, i caught it 5 days after, and paid it off asap. 

The won't waive the interest charge of {$51.00}, customer reps are very rude and won't let me escalate this issue
Consumer complaint received 2024-10-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OK)

I disputed the charges for two accounts on my credit report with XXXX. They verified the accounts and the collection remained on my account. I sent another dispute to request how they verified the accounts and asked for the accounts to be removed if there was no verification to be sent to me. Both collections have been charged off by the companies and neither have offered a 1099-C for tax purposes to prove the charge off to me. If the debt has been charged off and I haven't recieved a 1099, it should not be reported as owed to my credit report.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Dear XXXX, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity. These items are not transactions conducted by me as a consumer XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment Information : XXXX XXXX, XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 


Thank you XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NY)

I am contacting you because I believe my social security number has been compromised. I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the Police Department and obtained a police report # which both are attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me, nor did I authorize it.
Consumer complaint received 2024-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (CA)

After years, my mortgage bank suddenly decided they didn't like the way my address was shown on my homeowners insurance policy and I had to change it. My insurance company declined to requote my policy. I found coverage elsewhere, but there was a period of 12 days when I did not have homeowner 's insurance. Now the bank agrees that I'm currently covered, but they are trying to force me to pay for insurance coverage for the 12 days I was uninsured. That could serve no purpose since the coverage for it would have ended weeks ago, after I got my current policy.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (WA)

I have XXXX outstanding student loans and am XXXX XXXX XXXX XXXX XXXX  I applied for the loans to be repaid under the XXXX program. XXXX loan ( a XXXX  loan ) was placed in the XXXX program and is in administrative forbearance. The second loan ( a XXXX XXXX XXXX loan ) is not included in the XXXX program and is entering repayment. I sent numerous emails to AIDVANTAGE during XXXX to resolve this issue by including both loans in the XXXX program. 

Please note, that I applied for the XXXX program in XX/XX/XXXX. My original loan servicer was XXXX and I received a letter of acceptance into the XXXX program on XX/XX/XXXX. I received letters of acceptance from AIDVANTAGE on XX/XX/XXXX and XX/XX/XXXX. 

Also, the repayment plan for the second loan is not an Income-Driven Repayment ( IDR ) plan and should be as I am not employed and on a fixed income ( SS ).