davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

I hope this message finds you well. I am writing to formally request the removal of certain information from my credit report, as I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. 
According to the FCRA, it is illegal to report information on my credit report without my explicit permission. I have reviewed my credit report and found items that I did not authorize, which I believe are not only inaccurate but also detrimental to my credit profile. 
I understand the importance of maintaining accurate credit information, and I take my financial responsibilities seriously. Unauthorized entries can significantly impact my ability to secure credit and may lead to unwarranted financial consequences. Therefore, I kindly request that you investigate this matter thoroughly and remove the unauthorized information from my credit report. 
I appreciate your prompt attention to this issue and look forward to your swift resolution. Please confirm the removal of the disputed items and provide me with an updated copy of my credit report once this action has been completed.
Consumer complaint received 2024-10-02
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. (TX)

I see an inquiry on my credit report that i didn't apply for. Credit inquiries last way too long and i don't do them often. there's one on there for that i don't recognize. It was from XXXX of this year and it looks like it was for Chase. 

I've been contacted by alot of these companies saying my information was apart of this breach or that breach, so i've been keeping an eye on things and that stood out.
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

Last summer I participated in a XXXX campaign for toy animals which ended XX/XX/XXXX and was charged {$70.00} for my pledge on my Discover card. The creator 's last post was XX/XX/XXXX and has subsequently vanished. There was no survey sent out, no one involved received their items, and one of the other backers discovered the " creator '' had used photographs of someone else 's creations which are available on XXXX. Backers involved including myself contacted XXXX who have done nothing despite the person behind the campaign clearly having taken the money and run. Some backers contacted their banks and were refunded. I paid via Discover card and opened a dispute for my {$70.00}. Well, despite their claims otherwise Discover does not protect their customers. The dispute department discerned based on zero evidence that it was a valid transaction and refuses to refund my money. They demanded proof and I showed them copies of the very public discussions between the backers over the past 8 months saying they'd gotten no response from the " creator '' whatsoever. It's been repeatedly reported to XXXX who've done nothing. I made a purchase and received nothing. It's not a case of the creator having difficulties or delays. This is quite obviously a case of " take the money and run ''. There is no other proof I can show other than 'I along with other py paid for something and never received it, AND the person behind the campaign is a scanner '. I have been a good customer with Discover since XXXX and I can't believe they'd be willing to lose me over {$70.00}. Other people got their money back. This is ridiculous.
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. (TX)

Someone used my identity without my consent or knowledgement in XXXX Florida which I have never been a resident in the state of Florida. I contacted each collection and I was told that these accounts were opened in XXXX XXXX FL, which I never reside at. I have lived in Texas since XX/XX/XXXX, XXXXThese appear on my three bureau 's it shows multiple Collection account 's with : I HAVE PLACED A FRAUD ALERT AND A FREEZ ON XXXX, XXXX, XXXX XXXX XXXX LVNV FUNDING LLC / CARE OF RESURGENT CAPITAL SERVICES L.P . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of account number is XXXX Date Opened XX/XX/year> XXXX {$630.00} XXXX. LVNV FUNDING LLC / XXXX RESURGENT CAPITAL SERVICES L.P . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$490.00} XXXX. LVNV FUNDING LLC / XXXX RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX SC XXXX XXXX Last XXXX of account number XXXX Date Opened XX/XX/year> Amount {$530.00} XXXX. LVNV FUNDING LLC / XXXX RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX SC XXXX XXXX Last XXXX of account number is XXXX Date Opened XX/XX/year> Amount {$390.00} XXXX. LVNV FUNDING LLC / XXXX RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX SC XXXX XXXX Last XXXX of account number XXXX Date Opened XX/XX/year> Amount {$490.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00}
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I was scammed out of more than {$100000.00} after a criminal accessed my accounts after I called a fake XXXX customer service number. They transferred money from an account and told me they were outside funds, and unfortunately, I withdrew cash to " pay them back. '' I asked the bank, the Bethpage Federal Credit Union, to reimburse the money because i only was questioned once about the large amounts of cash I withdrew, but they said there was nothing they could do. I also suffer from long XXXX, which causes XXXX XXXX XXXX  '' and can impair judgement.
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

Account did not belong to me. It was an identity theft issue. I was repeatedly contacted after communicating with the company to send me a Contract request / Ownership proof to no avail. I was contacted via text, phone calls.
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

On XX/XX/year>, I sent certified letters to XXXX XXXX XXXX, LVNV Funding, XXXX XXXX and XXXX XXXX XXXX requesting verification of a debt they claim I owe. In the letter, I specifically asked them to provide : 1. **Proof that the debt is mine**, including a signed agreement or contract with my signature.

2. **Evidence that they are legally authorized to collect this debt in XXXX** XXXX such as proof of their licensure in the state XXXX XXXX XXXX. 

Despite this formal request, XXXX XXXX XXXX, LVNV Funding, XXXX XXXX and XXXX XXXX XXXX has not provided any of the required documentation. I have not received any proof that I owe this debt, nor have they demonstrated their legal authority to collect in XXXX. Without this information, I believe the collection efforts are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I am now seeking assistance from the CFPB to resolve this matter and ensure that XXXX XXXX XXXX, LVNV Funding, XXXX XXXX and XXXX XXXX XXXX complies with their legal obligations to verify the debt and their right to collect it and if they are unable to remove the debt from my credit report as soon as possible.
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

They closed immediately closed my account with no explanation due to fraudulent activity on the account I had nothing to do with, when I called and explain my purse was stolen with my wallet and phone in there, the agents told me there was nothing they could do, no disputes or anything. Now Im stuck with a closed bank account, {$0.00} savings ( because they took it ) and owe {$6000.00} to boa for something I had no control over
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Hello, i deposited a check for {$2500.00} that was supposed to be released on XX/XX/XXXX bank has now pushed it out and may extend it more according to the person i spoke to. Was told first contact XX/XX/XXXX now its undetermined. Its a check from a lawyer and citizens is refusing to verify funds because the lawyer group sees no request for it
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (MO)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 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 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 a account without my writing 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 items 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 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Uplift, Inc (IA)

You are in direct violation of the Fair Credit Reporting Act, which has violated my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 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. 

Remove these late payments and update this account immediately as you in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MI)

I had a Venmo account that I used for my direct deposit and to receive payments for clothing that I sold to people. I was able to access all my funds and direct deposits. I also was able to use my Venmo debit card with no problem. Then on XX/XX/XXXX I got a email saying Venmo seen unusual activity on my account. So I checked my account a seen all my funds were being transferred to someones XXXX XXXX immediately verified my information with State ID and a picture of me holding my State ID for proof. I was hacked and they were transferring all my payments to their XXXX XXXX. I immediately filed a dispute for them on XX/XX/XXXX. I then changed my password and ordered a new Venmo card all on XX/XX/XXXX. Then on XX/XX/XXXX they emailed me and suspended my account and told me XXXX cant access my funds. I ended up winning my disputes on XX/XX/XXXX and it successfully put the money back into my account. But my account is still suspended and I cant access funds. Venmo support tells me they are not the ones dealing XXXX my case and they cant give any info on who is. They say just respond to emails but I get no reply anymore. I have over {$800.00} stuck on Venmo and I have to pay rent!
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Lendmark Financial Services (MD)

I am just being made aware today of a lawsuit in which a judgment was entered in favor of the Creditor XX/XX/XXXX. The case was filed in District Court XX/XX/XXXX by Lendmark Financial Inc in XXXX XXXX MD and represented by Attorney XXXX XXXX XXXX, XXXX. On XX/XX/XXXX they filed to have my wages garnished. However, I was never, ever served with a summons even notifying me of this lawsuit, and never received any documentation thereafter until being notified TODAY by my Employer that the are attempting to garnish my wages. I called both the Attorney and the Creditor to obtain to get proof of Service and to get my payment history and have not received any response or help with this matter. This case has been sitting here for 8 YEARS and I was never notified, never properly served or given the fair chance to resolve a debt that was opened 11 years ago. I now run the risk of losing my pay when I feel like I was never given the chance to resolve this to begin with. I can not even tell if they filed the lawsuit within statutes because no one will provide the date I was in default.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (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 2024-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (OH)

a negative credit debt was placed on my personal credit report for {$1000.00} for date of service XX/XX/XXXX at XXXX XXXX - XXXXXXXX XXXX. On the evening of XX/XX/XXXX, I gave the registrar my insurance card and a copy was made for my acct. Ohio Medicaid should have been billed at this time and this debt would have been paid at 100 %. I have never been given the opportunity to explain or provide the insurance info as was provided to the hospital. This negative credit report has caused my personal credit score to decrease and has caused undue stress and XXXX. This credit collection company has violated the requirements of FDCPA and improperly placed this negative report on my credit report. They also responded to my letter where I advised them of this and provided the insurance policy number, with a balance due bill that they expected me to pay. The debt validation letter that was mailed requested their information regarding this debt and I was sent a bill for the debt. No account information was provided to me, current creditor XXXX XXXX XXXX, XXXX purchased this debt from XXXX XXXX XXXX XXXX XXXX and failed to research this or notify me ( my phone number is the same as XX/XX/XXXX ) prior to placing a negative mark on my credit report. This is an absolute direct violation of FDCPA 15 U.S.C. 1692 and 12 C.F.R. 1006.30 ( a ) ( 1 ) and Official Interpretation 30 ( a ) ( 1 ). Thank you!
Consumer complaint received 2024-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I paid nearly or close to {$XXXX}, mostly in interest, for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX beginning in XXXX. I decided to leave the " XXXX  '' and " XXXX  '' after XXXX  year instead of the XXXX  years I signed up for because it was obvious everything about it was a scam. Except I was on the hook for a lot moneyy XXXX semesters in, with no means for a refund, and young, optimistic eyes. I did manage to get a piece of paper ( diploma ) out of the 1 year, but that isn't worth the frame that was bought for it, and the frame used for better things -- can't say if the paper is still around in a filing cabinet or something. 

In the last decade that entire school closed. I reported their shady practices to the CFPB in XXXX without much resolve. Thanks to millions of others and change in administrations, eventually XXXX vs. XXXX ruling restore some balance to a corrupt apparatus. In XXXX I was sent notice of a XXXX XXXX XXXX approval for unlawful conduct. Those loans were XXXX as of last week ( XXXX  months later ). This is certainly a victory. But who did I pay {$XXXX} for an why? This was all unlawful conduct of a for profit business that no longer operates because of how unlawful it was run. Why did I pay the federal government for that? 

I reached out to the loan servicer, Navient, for updates about when my credit report would reflect this change and any comments about refund eligibility. After verifying the loan and balance were removed at XXXX. I was sent the following ( unmodified ) reply, " Thank you for reaching out to us in regard to your current account status and Credit Report. 
Please be advised that accounts that are paid in full will be reported to the XXXX XXXX XXXX at the end of each month. 
I understand how that can be confusing. Only payments made directly to the XXXX XXXX XXXX are eligible for a refund. Although the Department granted loan discharge based on your attendance at [ insert school ], they did not authorize refunds of any past payments made on loans they did not own. 
Best Regards, XXXX, XXXX XXXX XXXXXXXX Your loan servicer Your loans are serviced by Navient Solutions , LLC ( XXXX  # XXXX ). 
ref :! XXXX.! XXXX : ref -- -- -- -- -- XXXX XXXX -- -- -- -- -- I received a federal loan discharge letter on XX/XX/XXXX and would like to know an estimate when this will be removed from my credit report. 
Further, I would like the XXXX and promissory notes, master promissory notes, disclosure statements, and any documentation related to my refund eligibility. I saw no mention of the money I paid for a fraudulent school and program. ''
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

Validation of Debt According to 15 USC1692g I want you to send me a detailed of the history of payments made by me on this account I want to see the signature that i put on a contract guaranteeing that i would pay the creditor Im asking to see has there been any insurance claim found on this debt I want proof that you have the chain of title to collect on this debt According to 15 USC 6801 you have violated my right According to 15 USC 6802 you have violated my right
Consumer complaint received 2024-09-26
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. (SC)

LVNV Funding LLC # XXXX Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. The email you sent me shows nothing I asked for see attached. 15 USC 1681 I 1A,15 USC 1681 ( 602 ) ( a ) ,15 USC 1681 ( 604 ) ( A ), 15 USC 1666B, 18 USC 894
Consumer complaint received 2024-10-01
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: SUNRISE CREDIT SERVICES, INC (IL)

Started a dispute XXXX of XXXX  for the following creditors : Sunrise Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (MD)

XXXX stated debt was opened in XXXX in Delaware. Account was closed in XXXX for the amount of {$2000.00}. XXXX told me to file a police report and send in mail proving my address during the time of debt.