davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
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. (MS)

I need to re-document and refile this complaint to LVNV FUNDING LLC. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Consumer complaint received 2024-09-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I am writing you pursuant to the Fair Dept Collection Practices Act ( FDCPA ), 15 U.S.C.1692-1692p, to demand that you immediately produce the following documents.

Please Provide me with the following information to validate the dept.

Original Creditor : The name of the original company the extended the credit.

Original Contract or Agreement : A copy of the original contract agreement for the dept.

Statement of Account : A detailed statement of the account, including all transactions and dates. 
Supporting Documents : Any additional documents that support the dept, such as invoices or receipts. 
Signed statement validating the alleged dept from the original creditor. 
The original contract with my alleged signature. Documentation showing that I must pay LVNV Funding for the alleged dept. 
I haven't received all the requested documentation.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MD)

XXXX XXXX XXXX, ( XXXX, ( XX/XX/XXXX ), Contents of Complaint : I am writing to request and investigation of the following accounts I have NEVERED opened or use the accounts listed below " I'm requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened and inquires below. 



XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX, XXXX XXXX Consumer ID XXXX Early Warning Attn : Consumer Services Department XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Dear Sir/Madam, I have recently obtained a copy of my consumer report from Early Warning and have identified some discrepancies that I wish to challenge due to identity theft. I don't recognize the following accounts in question. I am a victim of identity theft and I don't recognize these accounts on my report. I am requesting the following information be deleted from my early warnings report immediately! I've attached a copy of the report to this request. Thank you for your assistance. 


XXXX XXXX XX/XX/XXXX Bank Routing # XXXX Account ( XXXX ), XXXX  XXXX XXXX XX/XX/XXXX Bank Routing XXXX Account # ( XXXX ), XXXX  XXXX XXXX Maryland XX/XX/XXXX Bank Routing XXXX Account ( XXXX ), XXXX  XXXX XXXX XX/XX/XXXX Bank Routing XXXX Account ( XXXX ), XXXX XXXX  XX/XX/XXXX Bank XXXX XXXX Account XXXX XXXX Bank XX/XX/XXXX Bank Routing XXXX Account ( XXXX, XXXX XXXX XX/XX/XXXX Bank Routing XXXX Account ( XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Routing XXXX Account # ( XXXX ), XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Routing XXXX Account # XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, Branch Banking And Trust XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, Branch Banking and Trust XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX I understand that as a credit reporting agency, ( Early Warning ) is bound by the Fair Credit Reporting Act ( FCRA ) to conduct an investigation upon receiving a dispute request. This legislation aims to ensure the accuracy, fairness, and confidentiality of consumer information held by reporting agencies, clearly outlining your responsibilities in such cases. details provided. I trust that you will approach this matter with the necessary attention it demands, and I await the outcome of your investigation. 

Yours sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

I seen this account on my credit file multiple time. I tried to dispute it. The company told me I have to make a police report when they respond to this complaint that I make before so I have my police report now I would like to be removed immediately. 


XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$450.00} Needs Attention Overview You have 100 % left to pay on this collection. 
Balance {$450.00} Highest Balance {$450.00} Opened Account status Type Responsibility Remarks XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Open Derogatory Individual Placed for collection Account information disputed by consumer Account information disputed by consumer Original Creditor Name Closed XXXX XXXX XXXX XXXX XXXX  No Info
Consumer complaint received 2024-09-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

My XXXX account was officially closed on XX/XX/XXXX, with a remaining balance of {$360.00} owed to me. Despite multiple requests to receive this payment, I have not yet been issued the check. My latest attempt to resolve this matter was on XX/XX/XXXX, but I have received no response or payment since.
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I have had my PayPal business account for years. I have never put a balance on my account but i was going to purchase something for XXXX via shop but my PayPal balance has dropped to {$0.00}. I had XXXX US dollars in my PayPal account. I was away for the weekend so I wasnt home and then when I come back on Sunday XX/XX/XXXX I see that I have so many emails from PayPal saying my password has been changed and I sent money to this person named XXXX XXXX. I have never done business with this person so this is obviously a scam! I tired to dispute it with PayPal many times and they are saying this transaction looks like a usually transaction on my account. No it doesnt! You can see in less then 30 mins they are more 40 money transactions at once! This is fraud and I need my hard earned money back.
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: CAVALRY INVESTMENTS, LLC (NY)

I am filing this complaint regarding the reporting of a collection on my account by Cavalry Portfolio Services, which I believe is not properly validated under applicable laws. 

I have previously sent a notice of dispute to Cavalry Portfolio Services on XX/XX/XXXX requesting documentation to validate the alleged debt in question. Specifically, I requested the following documents to prove that the debt is legitimate and that Calgary Portfolio Services has the legal right to collect on it : 1. Forward floor agreement 2. Audit trail 3. Affidavit of debt 4. Original due hold on the course of the debt 5. Affidavit of custody 6. Account ledger 7. Chain of title 8. Chain of custody Instead of providing the necessary documents I requested to properly validate the debt, Cavalry Portfolio Services sent me a copy of a contract and billing statements, neither of which constitutes proper validation under legal standards. A billing statement is simply a record of a running balance and does not provide documentary evidence of the debts legitimacy, nor does it reflect the full accounting records required to verify the debt. 

Billing statements only show a summary of account transactions, but they fail to include critical information such as the full accounting trail, the proper chain of title, and other essential documentation that would legally prove the debt and Calgary Portfolio Services right to collect it. This is consistent with legal precedents, such as XXXX XXXX XXXX ( Indiana, XXXX ), which determined that billing statements are insufficient to validate a debt, as they do not demonstrate full accounting records. 

Additionally, this serves as my final notice to Cavalry Portfolio Services : If the proper documents I have demanded are not provided promptly, I will pursue civil and criminal penalties in court. I will also demand the deletion of this tradeline from my credit report. 

In light of this, Cavalry Portfolio Services has defaulted on their obligation to provide proper validation for the debt, and I respectfully request that the CFPB investigate this matter. I also request that Cavalry Portfolio Services cease reporting this debt to the consumer reporting agencies until they can provide the proper documentation outlined above, which would constitute full and accurate validation. 

Thank you for your time and attention to this matter
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

I checked my credit report and I see that there is a credit card XXXX credit for XXXX on my credit report. However I never applied for Chase bank credit card. I only have a Chase auto loan at this present time. According to US CODE 15 6801 US CODE 15 1602 US CODE 15 1681a ( 2 ) I ) US CODE 15 1666b Please remove this account from my credit report Possible identity theft. I was a victim to identity theft within the last 3 years
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (VA)

Chase Account : XXXX and XXXX Acct XXXX have repossession remarks against me on my credit report. It is hurting my ability to work and I am not able to get any transportation because of it. They both went on private gated property and repossessed both vehicles. According to Florida law when it comes to towing you don't have permission to follow someone into a private community and tow anything. Since this was against my rights both accounts state it's repossessed and charged off then it is updating negatively when it shouldn't be able to do that According to the FCRA.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

I've been on the phone with Equifax so much throughout XXXX and XXXX and at this point I just need someone to step in and help me! 

I've mailed countless copies of the same documents ( they say they never get them ) I then upload through my.equifax.com.. I just want to cry at this point! They are useless! 

My ENTIRE credit report keeps vanishing completely. Right now, it says I have no accounts on my credit report at all, with 4 unknown inquiries that I've never partook in. In addition, my birthday keeps being changed from the corrected one XX/XX/1993 - to XX/XX/1993! 

I sent them my court ordered name change - and they've changed my name about 5 times in XXXX alone! NEVER ONCE to the appropriate name. Mind you, every representative who makes the change, someone changes it back on their own, or to another variation of my previous name! 

I logged into credit karma again and XXXX today, EQUIFAX REPORT GONE. I'm so tired of them!
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FREEDOM FINANCIAL NETWORK (CA)

Company Name : Achieved Personal Loan Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX AZ XXXX To : Whom It May Concern On XX/XX/XXXX, I was looking on my experian account to get an update credit score and noticed that Achieve Personal Loan a company I did not recognize for an amount of {$5500.00} on XX/XX/XXXX. I have no idea who this company is. I never gave them written consent to furnish my information or obtain my information. In 15 U.S.C. 1681 ( g ), I am a victim of identity theft, and I did not make this charges. I am requesting that the charges be removed/ the debit reinstated, that any finance and other charges related to the fraudulent amount be credited, as well, and that receive an accurate statement.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (CA)

Subject : Cease and Desist Collection Efforts Invalid Debt Due to Charge-Off Without 1099-C Filing Account Number : Client Name : XXXX XXXX To Whom It May Concern, This letter serves as formal notice that I am disputing the validity of the debt your firm is attempting to collect on behalf of XXXX XXXX. According to my records, this debt was previously marked as " charged off '' by XXXX XXXX, and to date, I have not received a Form 1099-C ( Cancellation of Debt ), which is legally required under federal law when a creditor cancels a debt of {$600.00} or more. The absence of this form indicates that the creditor has not lawfully canceled the debt, yet your firm is now attempting to collect. 

Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have rights that protect me from unfair, deceptive, and abusive collection practices, as well as inaccurate reporting of debts. Your attempt to collect on a debt that was charged off without a proper 1099-C filing violates both the FDCPA and the IRS requirements , as it creates confusion about the true status of the debt. Your firm may be facilitating deceptive practices, and I am prepared to pursue this matter in court if necessary.

Further, this collection attempt violates IRS regulations under 26 U.S.C. 6050P, which requires creditors to file a 1099-C when they have discharged debt. The failure to file this form indicates that your client has either not followed through with the legal charge-off process or is attempting to maintain the collection rights despite not fulfilling their legal obligation to report the cancellation of debt to the IRS and to me.

In light of these clear legal violations, I demand that you cease all collection efforts immediately. Additionally, any further attempts to collect on this debt without first correcting the reporting to both the IRS and my credit report will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any applicable bar association regarding your unethical collection tactics. I will also explore all available legal remedies, including a lawsuit for damages, legal fees, and other appropriate relief under both state and federal law. 

I expect written confirmation within 30 days that you have ceased all collection activities and that your client has either properly issued a 1099-C or will remove the charge-off from my credit report entirely. Failure to comply with these demands will be met with aggressive legal action on my part.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

An account with JPMCB was delinquent in XXXX and listed as charged off in XX/XX/XXXX. The account has remained in that status since. JPMCB contacted all 3 bureaus and has the account updated to reflect closed as of XXXX  This action caused my credit score to drop by more than XXXX XXXX. I have successfully disputed this with XXXX XXXX XXXX XXXX XXXX  will not correct the error. 

I am not disputing the debt but the information about when the account was charged off is incorrect and multiple credit reports generated prior to XX/XX/XXXX will show the first delinquency and the original charge off date.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

On XX/XX/XXXX, at around XXXX, I spoke with a customer representative from Southwest Credit System XXXX number XXXX location XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX TX XXXX, and I asked if they could explain to me what the debt said for XXXX XXXX I asked where they said in Connecticut, and I asked when they said the debt was from XXXX. I stated that I wanted a debt validation letter, but they refused one. I explained to them that my Identity was stolen and that the debt was not mine. They took my social so they could find my information. They ask me how would I like to pay I stated I will not pay a debt that I am claiming that was due to identity theft. I then I spoke with XXXX and I said to them that somebody stole my identity and that I been having service with them but in a different state. The XXXX took my Identity theft report and is still investigating. The company called Southwest Credit System had an awful review, and they stated that all the information I gave them was going to be used to get the information to collect my debt. This company reported XXXX debts in my XXXX credit report and has not contacted me once to confirm this debt with me in writing or by phone. I still don't know what is the second debt for. This company review are at a XXXX XXXX  from all the costumers
Consumer complaint received 2023-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Global Tel*Link Corporation (NJ)

I sent an initial complaint ( detailed below ) on XX/XX/XXXX as I was directed when I phoned their offices. It was sent to XXXX. I received no response, so I sent a 2nd complaint using the form on XXXX 's site on XX/XX/XXXX. This likewise brought zero response - other than a form message saying, " All emails will be addressed in the order received. '' I sent XXXX separate money transfer requests to the account of XXXX XXXX. XXXX stole my money EACH TIME and never remitted any of the transfer requests to the inmate. They also never contacted me to make me aware of any problem with the transfers. They simple deposited all my money in their bank account and never communicated with me. 

XXXX 's inmate number was shown as XXXX. But he now shows as inactive in their system. Their site doesn't make clear when he became inactive, nor what it entails. I later found out from relatives that he is under the Maryland Department XXXX XXXX. 

I only became aware that XXXX never received any money when I logged on to send additional funds and found the comment that he was " Inactive '' - with no further explanation. '' In speaking to other family members about the " Inactive '' status, XXXX said he has NEVER received anything in his account from me. 

When I first tried to phone XXXX 's offices on XXXX XXXX, I was asked for the first XXXX digits and the last XXXX digits of my credit card and the employee came back to say she could find no deposits from that card number. That just does not compute at all. Something weird is going on. She told me I had to get my bank statements as proof the money came out of my account. 

This request boggles my mind since EVERY deposit I ever made to XXXX 's account is reflected right in my XXXX account online under my login. As to why I need credit statements to prove anything that's CLEARLY proven in XXXX 's file logs is beyond me. The employee, XXXX, said he could not see my payments in XXXX 's own system. That just does not make sense. How can I see the payments but they can't? It seems clear that fraud was the intention right from the start and even the lower level employees are in on the scam. 

I sent XXXX XXXX ( from my credit card statements ) that the transfer payments came out of the very card which they claim they had no record of. The transaction dates were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each transfer was for {$25.00}, plus I was charged fees in the amount of {$3.00} for each transfer. XXXX at XXXX said the bank Reference No was the only info needed for verification. My bank also said the Reference No. on the transactions should provide the verification needed to prove the transactions occurred. 

I requested that ConnectNetwork refund the transfers to me ( NOT the inmate ) so I can avoid filing claims in federal court. But I have nothing.
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (AL)

I have been reaching out to XXXX over the past year about a {$3300.00} debt they claim that I owe. I have responding to them via mail as well as phone in regard to the about of phone calls I have received as well. 

They debt is currently with an in house collection they use named XXXX XXXX XXXX and they have been contacting me via phone since XX/XX/17 prior to then it was XXXX calling ... .. 

Upon calling I am always informed that this debt will continuously report on my credit file and that handling it would clear up any negatives. The inital debt was {$2500.00} ; however, it is now, {$3300.00} and they have stated it will continue to increase the longer I go without paying them. 

I have exhausted all options and everytime I request verification or validation I am sent a phone bill and they always state they will no longer communicate with me until I am willing to make payment.. 

This negative account is really affecting my credit rating and ability to obtain employment.