davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (AZ)

I was searching XXXX XXXX XXXX XXXX for an unrelated matter when I came across something shocking which stipulates a default judgment has been entered against me by and for a company named CACH LLC with legal counsel for them named as XXXX XXXX. The summons date is listed as XXXX XXXX  XXXX with a default judgment entered XXXXXXXX XXXX  XXXX and a garnishment notice served to a former employer XXXX of XXXX. So here 's the issue. I have lived in the same house I am currently in since XXXX, I haven't worked for the employer they allegedly served in XXXX since XXXX, moreover, I did not have any 'bad or outstanding debt ' to my knowledge since XXXX. I can say this with certainty because my job at XXXX Police Dpt required me to have good credit, which they checked themselves, and found one collection account that I was required, prior to employment, to bring into compliance which I did through a settlement of the debt amount which was paid as stipulated and proof had to be provided to my then employer XXXX Police Dpt. I have not applied for or taken out any other credit cards etc for well over 10 years and have no outstanding debts in collection etc. as per my credit reports. Upon seeing this I recalled a number of years ago some random judgment showing up on my credit report ( I have credit monitoring due to identity theft issues I have had to contend with ) which I disputed because I thought it was entered in error against me. It was removed thus I thought the matter was closed and in fact was entered in error. Now that I have come across this... I am quite concerned not only about what this debt could be but the tactics being XXXX and the reliability of the information/legality of any information they have apparently presented to a court without my knowledge or ability to defend myself even though serving me at my home was quite possible since I have been in the same place for 10 years. When I looked up this CACH LLC I have come across a flurry of stories with attorneys pages listing the tactics of this company which claims this company often violates the provisions of the FDCA as well as allegations they have violated Consumer Fraud and Deceptive Business Practices Act via similar state court actions and they apparently often conduct themselves this way in trying to avoid, allegedly, having the debtor know of the court filing so they can't challenge the information being presented and/or defend themselves. I am concerned not only for myself but for the public writ large since this apparently is a common practice of this collection company.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I have my credit frozen at all three credit bureaus. I received this alert : " Equifax blocked a new credit inquiry The company shown below tried to view your frozen credit file. 

Creditor XXXX XXXX XXXX " I did not authorize or do anything with this group within the last 6 months and they should not be pulling credit reports of me since I did not authorize this. They have a history of opening credit cards for people without express permission. I haven't even visited one of their sites since XXXX. I did not authorize or sign anything at that time nor would I as I know how notorious they are.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was in an approved forbearance plan in XXXX, prior to, my mortgage was in good standing. My mortgage comp XXXX XXXX reported to TransUnion that I was 180 days late XX/XX/2023, again I was on an approved forbearance. In XX/XX/2023 XXXX paid in full my mortgage delinquency to XXXX. XXXX. Payment was sent on XXXX XXXX in the amount of {$17000.00} ( I do have documentation from XXXX ) Also, per the Cares Act Law signed XXXX XXXX amending the FCRA, to stop adverse credit reporting during COVID-19 crisis. 
I can not obtain a loan for home repair until XXXX XXXX remove this erroneous error, reflected on my TransUnion XXXX XXXX XXXX and XXXX XXXX dated XX/XX/2023. 
Also, XXXX XXXX had a data breach in XX/XX/2023, in which I am continuously contacted via phone with spam robo lender calls from XXXX M-F. I receive 3-5 junk mail letters from lenders all directly related to the financial breach. Prior to the breach I never received calls/ mail of this type. 
Note ; I filed disputes with all 3 reporting agencies. Mortgage lender deleted XXXX late from XX/XX/2023 and its now reflected under XXXX XXXX  180 day late.Again, I was in good standing prior to my approved forbearance, moving the delinquency from XXXX XXXX XXXX is proof to me of the unwillingness to accept the XXXX point credit points drop reflected on my credit reports. I have called XXXX as recent as this afternoon requesting a supervisor, advised I would receive a call back from XXXX XXXX as of this complaint I am still waiting. Thank you. 

XXXX is under the umbrella of XXXX
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

Opened an Secured Credit account XX/XX/XXXX, using money deposited ( {$300.00} ), was solicited by the company stating, its to build credit. I called Discover Credit Company due to two credit limits reporting on my PRIVATE credit scoring of {$24000.00} and {$21000.00}. I was told by the company to call the reporting agency which is XXXX. I called XXXX, they advise for me to contact the reporting company XXXX Discover Bank ). I than again called Discover Bank today XX/XX/XXXX ; spoke with one lady and was told the reason for the closure of my account, that I was supposed to receive the {$300.00} dollars bank. She transferred me to someone else and than that person transferred me to a supervisor XXXX XXXX number XXXX. I explained to the supervisor of my concern of having a card that was funded and closed ; didnt quite understand how the company is able to closed an account on a consumer investment into the company with a deposit of their own Money. I also explained to the company that they were in violation of HUR 192 Public Law 7310 ; Public law 73-10 40 Stat 411. XXXX explained that it was terms and conditions that were sent to me 10 days prior to the card being mailed ; I explained I received the terms and conditions with the card and not separately. I that explain that I than in XXXX was a bona fide purchaser of a credit line ; solicitation of the company stating its a Secured card required deposit to extend a line of credit for credit building. I explained to XXXX that I wasnt aware in XXXX that I actually made an investment into the company when submitting an application which than turned into a receivable that are than considered asset backed securities. I explained to XXXX that I want to do a resention of the original contract given as a bona fide purchase, of the company being able to keep all the proceeds from the security invested XX/XX/XXXX. She stated all companies rely on fico scores to determine the amount credited to the company. I explained that such scores cant determine the credit line to be given to XXXX  because in the XXXX filing with the SEC for Discover credit line, rely on investments from consumers. It is said also in the XXXX filing that the asset backed securities are fixed rate asset back securities. In which are, The fixed-rate aspect means that the interest rate paid to investors remains constant over the life of the security, providing predictable cash flows. The underlying assets generate the cash flows used to pay interest and principal to investors. Examples include ; cXXXX XXXX XXXX XXXXXXXX XXXX said that I was in the wrong department and I should be talking with Discover Bank and not Discover Credit Bank. She proceeded to hang up in my face with out a solution to my issue.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have asked for validation for XXXX, and XXXX XXXX as I am no longer responsible for these accounts. I have called they credit card companies and am still instructed that disputes have to go through the credit reporting agencies. I am no longer liable for XXXX account, XXXX account, nor capital XXXX account. I have asked the reporting agencies if they can not furnish proof that these damaging accounts belong to me and are 100 % accurate they must be removed.
Consumer complaint received 2024-02-16
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. (FL)

XX/XX/2024 Reference : XXXX I've sent multiple notifications requesting the original security transfer agreements indicating that the debt has been sold, but I haven't received them yet. Recently, I received statements from an additional collection company attempting to collect from me. However, their name doesn't appear anywhere on my credit report. I'm now reaching out to ask you to request clarification from the third-party regarding who I'm supposed to pay, as I'm confused at this point. 
================================================================= XXXX, I requested specific information, and now I see another party involved, XXXX XXXX XXXX XXXX XXXX Who exactly holds the contract from the original creditor? Despite my previous requests, you have not provided this information. Consider this my final notice before taking legal action against all parties involved, including you personally. 

Once again, I am writing to request validation of a debt that your agency is attempting to collect from me. It has come to my attention that there may be potential violations of tax fraud laws associated with the securities involved in this alleged debt. 
As you are aware, tax fraud laws prohibit deceptive practices related to taxation, including failure to report income, underreporting income, and misrepresentation of transactions. Given the complexity of securities transactions and the potential for securities involved in this debt to not be registered with the Securities and Exchange Commission ( SEC ), I am concerned that there may be violations of these laws that need to be addressed. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt, including documentation proving that I owe the debt and that your agency has the legal right to collect it. Additionally, I request any information related to the securities involved in this debt, including documentation of their registration status with the SEC and any relevant tax reporting information. 
Please provide the requested documentation within 30 days of receipt of this letter. Failure to do so may result in further action on my part, including filing complaints with regulatory agencies and seeking legal remedies for violations of consumer protection and tax fraud laws. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation. 
Govern yourself accordingly! 
Sincerely, XXXX XXXX XXXX, agent for XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (TX)

I needed a money order for {$2.00} for my DMV forum. So I went to XXXX to get one. I gave them {$2.00} and paid the fee. I filled it out wrong so I needed a new one. XXXX would not refund me. They would not re-print mine. They wanted me to get a new one. To get my money back. I have to contact Western Union and pay a {$5.00} fee. I don't think I should have to spend {$5.00} to get my {$2.00} back. Which I've all ready paid one fee to make the money order. I'm positive Im not the only person this has happened to. Nobody should have to pay a fee for a refund. Here 's the link to the western union site with the refund information. I personally did not think the refund information for money orders was very easy to find. I personally feel taken advantage of and would like to see better business practices from Western Union. How much money have they made from this policy? It's not even worth requesting the refund. 

https : //wucare.westernunion.comXXXX XXXX
Consumer complaint received 2024-02-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: First Texas Auto Credit, Inc. (TX)

The car was towed due to first payment being late.spoke with XXXX he refuses to release the car. He stated that she would need to pay the entire loan off to get the vehicle that was not apart of contract to make monthly payments.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aspen National Financial, Inc. (TX)

ASPEN National collection In according with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have the right to privacy. 
15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 
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 and purpose.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

I was n the midst of leaving Wells Fargo due to many disheartening and shady actions on their part, such as sending payments earlier than I requested and restricting my debit card and evasive rude customer service.

Since I was transferring my funds I kept my minimum in my account I deposited sufficient funds to cover any outstanding balances yet they didnt post them in a timely manner and kept charging me overdraft fees Customer service was contacted yet they were evasive and disingenuous as they usually are
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

On ( XX/XX/2024 ), I sent a letter to ( LVNV FUNDING LLC ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( LVNV FUNDING LLC ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XX/XX/2024 ), along with an updated FTC identity theft report.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (VA)

THE COMPANY XXXX XXXX XXXX IS IN DIRECT VIOLATION AND HARMED MY PUBLIC CONFIDENCE. AS THE AGGRIEVED PARTY THAT HAS RIGHTS TO PAYMENT IN THIS CONSUMER CREDIT TRANSACTION MY SECURITIES WAS SOLD TO A NON-AFFILIATED PARTY WITHOUT MY WRITTEN CONSENT. I AM A NATURAL PERSON AND THE ORIGINAL CREDITOR WITH EQUITABLE RIGHTS ON BEHALF OF THE PRINCIPAL. I REQUEST THIS BE RESOLVED AND FIXED IN 10 DAYS PLEASE SEE ATTACHED FILES
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

I tried to get in touch with Chase ' Executive to no avail. I called twice and left a message on XX/XX/XXXX. Not my only time trying to contact Chase about the money they have stolen This has been an ongoing problem with Chase 's communication. Pretty much impossible to get some help with Chase. They have been holding my money for over 120+ days or have stolen it. They keep coming up with excuses on why they are keeping my money, even after I have gotten my business partner on the line to verify the transaction.
Consumer complaint received 2024-02-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Professionals, Inc. (UT)

On XXXX I reported COLLECTION PROFESSIONALS for refusing my request to validate alleged debt after XXXX attempts. Case number for my complaint was XXXX. I provided documents which supported the veracity of my claim. 
Upon my complaint to the CFBP, the debt collection company ( COLLECTION PROFESSIONALS ) responded on XX/XX/ with a document which neither proved my legal obligation to them nor verified the debt but blatantly violated XXXX laws and infringed upon my rights. I have hereby attached the document this debt collector sent and demand they are held responsible for XXXX violation as I did not grant permission to my health provider to share details of my health information.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

ChexSystems Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Request to Pull Consumer Report Dear Sir/Madam, I hope this letter finds you well. I am writing to request the retrieval of my consumer report from ChexSystems. I believe it is imperative to obtain this report for [ state the reason, e.g., applying for a financial product, rental application, etc. ]. 

Below are my details to facilitate the process : Full Name : XXXX XXXX Date of Birth : XX/XX/ Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX IL XXXX I understand that under the Fair Credit Reporting Act ( FCRA ), I am entitled to one free copy of my consumer report annually. If possible, I kindly request that you provide this report to me at your earliest convenience. 

Please find enclosed any necessary documentation required to verify my identity, if needed. Should you require any further information or have any questions regarding my request, please do not hesitate to contact me using the details provided above. 

Thank you for your prompt attention to this matter. I look forward to receiving my consumer report from ChexSystems soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIGY USA CORP. (CT)

There apparently has been a judgement lien on my property since XXXX. I just sold my home on XXXX of XXXX. My attorney was trying to settle the lien since XX/XX/XXXX. I still don't have any resolve on this matter, and the attorney has been holding {$15000.00} of my money in escrow to close my loan, so I could purchase a new home. I apparently owe {$4400.00} on this lien. The company name is Main st Acquisition corp that originally put lien on property. This company can't tell me what lien is for or currently has the information to settle the lien. Could you please help me resolv e this matter. Thankyou
Consumer complaint received 2024-02-17
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. (IL)

they had no written documents of ID or anything, this was Identity theft. It was taken off my report XXXX times and put back on every time the debt was sold. This is not my account. Also was living out of the country for over XXXX yrs I have my passport to prove I did not even have a United States address. 

Then the company put on my credit report that its a collection and I agree! I do not agree it was Identity theft and im suffering every time. they put it on and off. I even had to even give a police report. 

please remove this off my XXXX report the
Consumer complaint received 2024-02-17
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (AL)

Westlake Financial and Wilshire makes repeated called through out the day about my auto loan. They do not document in their systems about payment arrangements previously made and continue to call asking about payment. I have told my case to the multiple times and every time, they say they are documenting the arrangements, without fail, they call me about payments like there wasn't anything documented in the previous calls. I've started to ignore these calls while I am at work and at home because they always say " No, we dont have any thing on file about this arrangement you have made with another representative ''. 
XX/XX/2024 : Westlake- 3, Wilshare - 1 XX/XX/2024 : Westlake - 2 , Wilshire - 3 XX/XX/2024 Westlake - 1 , Wilshire - 1 XX/XX/2024 : Westlake : 2, Wilshire - 3
Consumer complaint received 2024-02-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

I have continuously been harassed by this debt collector. They have contacted my work and my cell phone numerous times throughout the day, every single day. 

I have tried to offer them a payment amount and asked them to set it up on automatic payments but they say they cant take the amount I feel comfortable paying. I CAN NOT afford the amount they are saying I have to pay each month. Now they are threatening legal action but yet they refuse to take the amount of money Im offering to pay. This has been going on for almost a year.
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Finance Company, LLC (GA)

Around XXXX XXXX, XXXX XXXX XXXX bought a debt account from Celtic Bank and without any proof, they decided to insert this same account on my credit report with the same account number as Celtic Bank . Without any real proof of verification or validation of this debt, XXXX allowed XXXX XXXX to add this account to my consumer report. 

XXXX keeps claiming they verified this account as accurate, but never provided me with any documentation. I never had a contract with XXXX XXXX XXXX so how can you insert this account on my credit report ( sounds like this is identity theft )