davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (FL)

DEBT : SEQUIUM ASSET SOLUTIONS, Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Validation of Debt Request & Accuracy I am writing this letter to formally request validation of the alleged debt associated with the above-mentioned account, as allowed by the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g . Pursuant to this law, I am exercising my rights to ensure the accuracy and legitimacy of the debt being pursued by your agency. 

I am requesting the following information to be provided to me : 1. The original creditor 's name and contact information.

2. Detailed information about the alleged debt, including the amount owed, the nature of the debt, and the date the debt was incurred.

3. Documentation providing evidence of your agency 's authorization to collect this debt.

4. Verification that the statute of limitations has not expired on this debt in accordance with applicable state laws.

5. Copies of any agreements or contracts related to the alleged debt.

6. Proof of your agency 's compliance with all relevant state and federal laws, including licensure to operate as a debt collection agency in my state. 
7. A statement confirming that negative reporting to credit bureaus will be ceased if the debt is found to be inaccurately reported.

Furthermore, I would like to remind you of your obligation under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i. If the debt in question is reported to any credit reporting agency, you are required to investigate and verify the accuracy of the debt upon my request. Inaccurate or unverified information must be promptly removed or corrected. 

Please provide the requested information and documentation within 30 days from the date of receipt of this letter. Failure to respond or provide the requested information within the specified timeframe will be considered a violation of the FDCPA and FCRA. 

Please note that all communications regarding this matter should be in writing and sent to the address listed above. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

All documents will be attached. To summarize : I received replicated Chase " alerts '' from criminals inquiring about various charges, which I did not make. I responded " no, '' whereupon fraudsters texted back ( all nearly precise replications of Chase alerts received in the past ) that " a Chase rep '' would call shortly. Fraudster stating he represented Chase and would work with me to reverse the bogus charges, but instead created a " wire template '' and made XXXX wires out-of-state, liquidating my checking account of {$110000.00}. - cash being accumulated in connection with upcoming daughter 's wedding and my mother 's funeral ( my mother, as expected passed away a few days later - see death notice ). After the call was concluded, I immediately noted the fraud and my wife and I rushed to the Chase XXXX XXXX branch XXXX. ALL XXXX WIRES WERE MARKED " PENDING. '' XXXX registered fraud complaint and froze account. Wires were marked pending on my Chase App through that night. We were then informed a day later that the wires were claimed. On XXXX XX/XX/16, in the presence of my wife and me, the manager, XXXX XXXX XXXX, was informed buy the fraud department that our funds would be returned to our account within 2 days. Instead, 2 days later, we received a defamatory letter ( attached ) stating that we either " benefitted from this fraud, '' or " authorized it. '' Furthermore, a Chase representative suggested that I had an interest in the XXXX accounts to which the funds were wired ( I have never in my life had any account with XXXX ). We remain in limbo. These funds are essential and have been saved for my daughter 's wedding. I would like to note that I am a XXXXregulated employee at my place of employment AND a Chase private client. Aside from Chase 's failure to make me whole, the treatment and the inability to reach anyone of substance to deal with my case other than the branch manager is wholly unacceptable.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (OH)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-07-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC (WA)

Cavalry SPV I LLC has been illegally attempting to collect an alleged debt from me, including by sending letters and by filing a lawsuit in XXXX XXXX XXXX XXXX ( No. XXXX ), even though the debt is barred by the applicable Statute of Limitations. 

I have provided Cavalry 's attorney, XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX law firm, with a copy of the original contract, showing that the alleged debt is governed by a choice of law provision that makes State of Nevada law applicable to the contract at issue. Nevada Statute of Limitations ( SOL ) is XXXX years on credit cards ; however, the debt was approximately XXXX years old when Cavalry attempted to collect the debt by filing the lawsuit. 

XXXX XXXX, and thus Cavalry, has not responded to my email sent to him on XXXX XXXX, XXXX, asking him to dismiss the case with prejudice. Nor has the case been dismissed to date. In the email, I advised him that I had sent him a copy of the original contract, under separate cover by mail. I also provided him with information about how to access a XXXX copy of the contract using the CFPB Credit Card Agreement database. 

Exhibit A - Original XXXX contract from my records, showing Nevada choice of law provision on page XXXX ( APPLICABLE LAW ). 

Exhibit B - Copy of XXXX version of same contract from CFPB database, which also contains same provision. 

Exhibit C - Letter from XXXX showing that last payment on account was apx. XXXX years prior to the filing of the lawsuit. 

Exhibit D - Printout showing ongoing lawsuit, Cavalry SPV I LLC v. XXXX XXXX XXXX ( No. XXXX ) Exhibit E - Email to XXXX XXXX XXXX to which has not been any response to date.
Consumer complaint received 2023-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (OH)

Notice for Proof of Claim Account : PENN CREDIT CORPORATION XXXX XXXXoWhom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2023-08-29
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. (NC)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$160.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX  Balance Owed : {$5000.00} ; XXXX XXXX BalanceOwed : {$8400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BalanceOwed : {$160.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (LA)

Per the FCRA as a Federally Protected Consumer. I am OPTING OUT of any and all Authorisations, I the Consumer may have given you written, unwritten, verbal, and non-verbal. Per 15 USC 6801-6805 16CFR313 Per the Privacy Act 1974 Send this to EQUIFAX, XXXX, XXXX.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is not the first time we have reached out about these accounts. 

I Noticed 2 errors, one was an account for XXXX, and the other was an Account for XXXX  XXXX on my credit report, and I knew they were not mine, so I called the FTC and filed an Identity Theft Complaint, and received a report.
Consumer complaint received 2015-07-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IL)

This account was erroneously re-submitted on my credit report by Midland Funding LLC. Midland Funding contacted me in 2013 regarding this account and at that time I advisedthem the account was not valid. Midland Funding LLC erroneously pursued this account by filing a civil suit against me with XXXX County Circuit Courts. 

On XXXX/XXXX/2013, I attended the hearing along with Midland Fundingattorneys, at that time I advised the presiding judge this account was not valid and I also advised him I repeatedly advised Midland Funding of the same. The judge requested Midland Funding show proof of the accounts validity. Midland funding was unable to do so at the time of the hearing so they were given a set time to validate this account before the courts. 

Concurrently on XXXX/XXXX/2013, I filed disputes with all XXXX credit bureaus disputing this debt. 

Midland Funding failed to supply proof to the courts validating this debt, so XXXX week before our next court date Midland funding dismissed the case on XXXX/XXXX/2013. Please note the case was a dismissed XXXX days after my dispute. 

Upon dismissal of the case I forwarded this information to all XXXX credit bureaus and the account was removed byall XXXX bureaus. 

After a period of about XXXX year Midland Funding attempted to pursue this same account unlawfully. They attempted to resubmit the account to all XXXX bureaus, XXXX of the XXXX bureaus denied their attempt to unlawfully place this account on my bureau and XXXX somehow did n't verify the previous information sent and placed this account back on my credit report.
Consumer complaint received 2023-08-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DriveTime (OH)

The debt was sold from drive time which the company is no longer in business. They reported that I owed an amount and apparently the company who bought it was XXXX XXXX XXXX. This company has been handling the account inappropriately. I had a court date because they took me to court for garnishment that I wasn't even privy to and I even had a letter stating that they had dropped the garnishment. I tried to get this overturned with a court but unfortunately it is harder than it seems with the Judgment going into default because I didn't know they were going to court. I showed up the last times in court thinking that they were going to show up and they never even showed up. I have tried multiple times to reach out to the lawyer that's on this account and he's never not once contacted me back.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

On the months, of XXXX XXXX and XXXX of year XXXX I sent over a verification letter to Experian and XXXX XXXX XXXX. I asked them to validate all the accounts on my credit file and they DID NOT. They sent a letter stating that they did which was a lie because how did they validate anything when they couldn't send over anything with my signature on it. Also, I asked that any inquires not associated with an account and is over 30 Days old be removed immediately. THEY STILL HAVE THE ACCOUNTS ON MY CREDIT PROFILE THAT i ASKED TO BE REMOVED. AT THIS POINT, if they dent remove the unverified accounts within 3 days I intend to pursue legal action and litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the unverified items are not deleted immediately.
Consumer complaint received 2016-03-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

A reservation was made through XXXX for a hotel in XXXX XXXX XXXX. Following procedure, I checked out of the hotel after a ( 1 ) one day stay with the understanding that I will only be charged for a ( 2 ) two day stay.
Consumer complaint received 2023-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A. (AL)

On or about XX/XX/2023, PNC BANK representatives told XXXX XXXX, that his insurance and property taxes were higher in 2023. When XXXX XXXX learned the falsity of the PNC BANK representatives statements, he filed a complaint against PNC BANK with CFPB. In retaliation against XXXX XXXX, for filing the complaint. PNC BANK retaliated against XXXX XXXX, in that on XX/XX/2023, PNC BANK informed XXXX XXXX that a default letter will issued on XX/XX/2023. PNC Bank 's retaliatory conduct is violative of the ADA 42 U.S. Code Sec. 12203 et seq. XXXX XXXX 's right to not be coerced, intimidated, threatened, or interfered with in the exercise or enjoyment of those rights granted him under the ADA. Without federal oversight and/or enforcement, XXXX XXXX believes PNC BANK through fraudulent and deceptive practices will attempt to steal his families property.
Consumer complaint received 2023-08-28
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. (MD)

15 USC 168Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act the following Creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-04
Product: Credit card — 
Issue: Bankruptcy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I filed bankruptcy which was discharged in 2014. Capital One reported this as discharged when the discharge took place. Capital One continues to post new negatives on my credit report monthly even thought this account was discharged and the credit card was cancelled. I know the initial negative will stay on my credit report for 7-10 years. Is Capital One allowed to continue reporting new negative information? If so, this new negative will stay on my credit report way past the 7-10 year time frame. How do I make this stop?
Consumer complaint received 2023-08-29
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 informationisinaccurate.
Consumer complaint received 2024-10-24
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)

The company has charged this account off, so I requested a 1099 c for the cancellation of debit. I was told by the company that I didnt qualify for a 1099 c form. A charged off states that the debit has been cancelled, but it still shows a balance on my report. The company refuses to give me a 1099 c form or remove the debit or remove the charge off.
Consumer complaint received 2023-08-29
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)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-08-29
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. (TX)

I am a victim of identity theft. I filed the correct paperwork with the credit reporting agencies per the FCRA. They have not been attached to my disputes and the disputes have not been done correctly. And I have not been given copies of the verification process. 

This is the account : XXXX Bankruptcy Dismissed
Consumer complaint received 2023-08-29
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. (NY)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. The accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are still showing late payments on my report. I'm hoping that these disputed accounts get corrected as well.
Consumer complaint received 2023-08-29
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. (CA)

there are multiple inquiries on my credit report that I did not authorize at all multiple disputes have been made to Exerian and they have failed to provide me with proof of the investigation that the companies had permission to make those inquiries to my credit report Experian and the companies have me going back-and-forth here are proof about the letters I had sent to Experian .i also sent another letter to Experian today XX/XX/2023
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (DE)

I got email notification from XXXX XXXX XXXXXXXX and Chase Bank that they were notified by a Third Party that because of Fraud and Theft that my account was being closed. I asked them to provide information from Third Party that provided the information. 

Neither organization has provided the information : XXXX XXXX -Closed total of 4 accounts- XXXX XXXX XXXX XXXX Chase- added me as a Authorized User and the account is a Single account under only my name. Also, reporting that the credit line was {$5700.00} and I went {$10000.00} over the limited.