davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-02
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. (GA)

On XX/XX/2024, LVNV Funding LLC acquired a debt previously held by XXXX XXXX XXXXXXXX. I discovered this acquisition through my credit report, without having received any formal notice or debt validation from LVNV Funding or its servicer, Resurgent Capital Services. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, LVNV Funding is required to provide a written notice within five days of their first communication with me, which includes the amount of the debt, the name of the original creditor, and my rights to dispute or request validation of the debt. This notice was never received, depriving me of my legal right to dispute or validate the debt. 

On XX/XX/2024, I filed a complaint with the CFPB regarding this failure to provide proper notice. In response, Resurgent Capital Services acknowledged that LVNV Funding owns the debt and is managing it on LVNVs behalf. However, despite this response, LVNV Funding, as the owner of the debt, has not directly provided the required validation or any communication, violating their obligations under 15 U.S.C. 1692g ( a ) of the FDCPA. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), LVNV Funding has an obligation to ensure that information furnished to credit bureaus is accurate and to promptly notify me of any changes in ownership of the debt. Failure to notify me of the transfer and properly validate the debt also raises concerns under the FCRA, particularly 15 U.S.C. 1681s-2 ( b ), which requires furnishers of credit information to investigate disputes and report accurate information to credit reporting agencies. 

Given these violations of both the FDCPA and FCRA, I am requesting that this debt be removed from my credit report. If LVNV Funding can not provide proper validation and meet their legal obligations under federal law, they should be compelled to cease collection activity and correct any inaccurate reporting with the credit bureaus. 

I am prepared to pursue further legal action if these violations are not addressed.
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MA)

I have XXXX children who are both enrolled full time in college. XXXX is in her XXXX  year and the other is in his XXXX  year. I apply for a Parent Plus loan every semester with deferment. I was assigned to Aidvantage as my servicer. Even though I am not yet at the end of deferment, I have already had XXXX major problems that have caused me many hours of work to get Aidvantage to fix them. XXXX, Aidvantage reported to my credit that I did not pay my loan payments on time even though my children were in deferment and I had not been issued a bill. That took me several months to get them to correct their error. Secondly, I received a bill just recently for repayment when my children are both still in deferment. Aidvantage is difficult to work with, hard to reach a person with any ability to help and is prone to error.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Incorrect Bankruptcy Reporting Public Record Not Validated To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a bankruptcy on my credit report. After conducting my own investigation, I contacted the Clerk of the Court regarding the bankruptcy record that you have listed under my name. According to the Clerk of the Court, they did not validate or provide any information regarding this bankruptcy to you or any credit reporting agency. 
This leads me to believe that either the information was fabricated, or a serious error was made in your reporting process. In either case, this bankruptcy is incorrectly listed and must be removed from my credit report immediately. Reporting false public records is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Details of the Disputed Bankruptcy : Filing Court : Bankruptcy : Dismissed XXXX Case Number : XXXX Date Filed :XX/XX/XXXX Under the FCRA, you are legally required to ensure that all information reported is accurate and verifiable. Since the Clerk of the Court has confirmed that they did not validate or supply the information regarding this bankruptcy, it is clear that this public record is false and must be removed without delay. 
I am requesting that you : 1. Immediately conduct a reinvestigation into this matter. 
2. Delete the bankruptcy record from my credit report as it has not been properly validated. 
3. Provide written confirmation that this inaccurate information has been permanently removed. 

If this matter is not resolved promptly within the required 30-day timeframe, I am fully prepared to pursue legal action against your company. Under the FCRA ( 15 U.S.C 1681 ), I will seek statutory damages, punitive damages, and reasonable attorneys fees for willful non-compliance and the ongoing harm caused by your reporting of false information. I will also file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your immediate attention to this matter. I expect swift action and look forward to your prompt written confirmation that this inaccurate public record has been removed from my credit file. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In late XX/XX/, I noticed a significant drop of approximately XXXX points in my credit score through XXXX XXXX, where I manage my financials. After reviewing my credit report, I discovered an unfamiliar credit card account opened in XX/XX/XXXX XXXX during a time when I was traveling internationally. This account has a late payment of {$600.00}, which I do not recognize, and I have not applied for any personal credit cards in at least two years. I immediately filed a dispute through XXXX XXXX. 

However, after 15 days, the creditor, Capital One, incorrectly determined that I was responsible for this account and its associated debt. This fraudulent account continues to negatively affect my credit score and overall financial profile. Furthermore, I have found that my credit reports with XXXX, XXXX, and XXXX have been accessed and registered under an address that is not mine, and the accounts have been logged into by individuals unknown to me. 

This account was opened without my knowledge or consent, which constitutes identity theft under the Fair Credit Reporting Act ( FCRA ). I respectfully request the immediate removal of this fraudulent account and all negative marks associated with it from my credit report. 

Additionally, under the FCRA, I have the right to dispute any inaccurate information, and it is the responsibility of the credit reporting agencies and creditors to investigate and correct these inaccuracies. This includes ensuring that my credit report reflects only accurate information related to accounts I have legally opened. 

Under the Fair Debt Collection Practices Act ( FDCPA ), creditors are prohibited from attempting to collect debt that does not belong to the individual in question. Therefore, I request Capital One cease any collection efforts related to this fraudulent account. 

I also ask that my reports with XXXX, XXXX, and XXXX be updated to reflect only my correct, current address, and that any accounts or addresses related to fraudulent activity be immediately removed. 

I expect full compliance with the legal obligations set forth by the FCRA, FDCPA, and CFPB, and I request confirmation that these actions have been taken to restore the accuracy of my credit report and protect my financial identity.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I was never late on the accounts that are listed below along with date please show me documentation showing proof of transaction showing that I was ever late to support your inaccurate reporting on my consumer report. If you cant supply the previous request please correct status to " paid as agreed/current ''. XXXX. XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (CO)

On XXXX XXXXXXXX XXXX I sold my home in which Freedom Mortgage was my lender. Property address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. On this date the title company wired full payoff to Freedom Mortgage Corp ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). I have received all payoff docs but have not received my escrow balance in excess of {$4500.00}. I have contacted them multiple times without resolution. On the last call I was instructed I could call back on XX/XX/XXXX and ask for a stop payment on my refund and have them issue another refund. The stop payment would take 2-3 more weeks and then another 2 weeks to process a new payment. Lastly, they then instructed me they are allowed 14 more business days to mail. This would extend my refund of escrow to 4-5 Months after I paid the Mortgage in full. I do not believe they have even processed my escrow refund. They were unable to provide any data other that a refund was requested. 

I need help in getting my funds back to me.
Consumer complaint received 2024-09-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis ()

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for XXXX XXXX. 
Last four Social Security number is XXXX, DOB : XX/XX/scrub>XXXX Please delete the following accounts. GENESIS CREDIT MANAGEMENT bal. {$3600.00}
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

I'm writing to request validation of the debt you are attempting to collect from me. I received a notice from your agency on XX/XX/year> stating that I owe a debt. Pursuant to fair debt collection practices act, 15 U.S.C 1692, I am requesting that you provide me with the following information to validate this debt. A copy of the original signed contract or delete this account
Consumer complaint received 2024-09-23
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: Nelnet, Inc. (PA)

This is a Federal Family Education ( FFEL ) administered by the US Dept of Education. The loan defaulted in XXXX as a result of hardship caused by job loss during the COVID pandemic. I don't know why it took Nelnet/SloanXXXX XXXXXXXX XXXX until XXXX to default this loan, since ( according to my credit report ) my last payment on these loans was XX/XX/XXXXXXXX but nonetheless the loans were " Defaulted '', and Defaulted FFEL loans were supposed to have BOTH a COVID administrative forbearance until XX/XX/XXXXXXXX  AND a moratorium on negative credit reporting until XX/XX/XXXXXXXX as per US Dept of Ed COVID orders .... Nelnet began reporting my defaulted FFEL loan to the credit bureaus in XX/XX/XXXX XXXX There was also a US Dept of Education moratorium on negative credit reporting on Defaulted FFEL loans, until XX/XX/XXXX. However, Nelnet and its collection agency American Student Assistance continue to destroy my credit, and violate the Federal ban on credit reporting of " Defaulted FFEL loans '' until XX/XX/XXXXXXXX  They began reporting the Defaulted FFEL loan nearly 2 years before the credit reporting moratorium end date, causing housing issues and farther hardship.
Consumer complaint received 2024-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP (MA)

I sent a letter of validity via certified mail. It looks like this company received it on XX/XX/XXXX. I have not yet received any response. I need my license for work and this companies lack of Information is holding up for me.
Consumer complaint received 2024-09-25
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Resurgent Capital Services L.P. (MD)

XXXX accruing high interest thats more than credit limit. I like millions of XXXX citizens are being sued because affordability and the economy is hard to live and barely able to afford food and bills. This bill is outrageous. After reviewing the company reviews, I understand the complaint and poor customer satisfaction.
Consumer complaint received 2024-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

This company is reporting fradulent inaccurate information on my credit report. I have requested they provide the PURCHASE AGREEMENT to show full ownership of such account and also other documents so I may review to see if this actually an account that belongs to me.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The XXXX, XXXX and equifax data breech has caused a case of identity theft with the accounts listed. The bureaus wrongfully put a debt on my credit report that is not authorized by XXXX XXXX . I have submitted an affidavit of truth, along with identity documents These accounts are due to identity theft. These accounts are not mine. I have uploaded and filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. 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. These accounts were opened fraudulently : Disputed Account : XXXX XXXX Account Number : XXXX Disputed Account : XXXX  XXXX Account Number : XXXX Disputed Account : XXXX XXXX Account Number : XXXX Disputed Account : DEPT OF EDUCATION/XXXX  Account Number XXXX
Consumer complaint received 2024-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

Despite receiving some documents received on XX/XX/year>, I have yet to receive all the necessary information, specifically a detailed breakdown of all charges and fees, as I requested in my letter dated XX/XX/year>. 

There is also a significant discrepancy that I would like to address. The last bill statement I received shows a balance of {$420.00}, yet your records state that the current balance is {$980.00}. This is a large difference, and I require a complete breakdown of all charges, fees, and any payments or adjustments made to the account that would explain how the balance reached {$980.00}. 

I reiterate my request for the following : 1. Verification of the amount of the debt, including an itemized breakdown of all charges, fees, and any payments applied. ( not received ) 2. Proof of ownership or assignment of the debt. ( not received ) 3. A complete payment history for the account. ( Received ) 4. A copy of the original signed agreement or contract that establishes my obligation to pay this debt. ( not received ) If you can not provide the requested information, I will continue to dispute the validity of this debt. Please provide the requested documentation within 15 days of receiving this letter. Failure to do so will result in my assumption that this debt is inaccurate, and I will take further steps to protect my rights.
Consumer complaint received 2024-10-16
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: EQUIFAX, INC. (MD)

According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB|| XXXX XXXX  XXXX I am now requesting proof of the previous Re-investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account is accurate. If you can not provide me with this information in 15 days delete the account and send me a copy of my updated credit report. 

I have attached proper documents with this complaint. ID/SSN/Voter Registration for my proof of Identification.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (DC)

Due to the recent data security breach I noticed two fraudulent accounts on my credit report with XXXX, XXXX XXXX XXXX. After further investigation its looks as though 15 USC 1681 was violated. XXXX XXXX XXXX which aggregates data to provide background checks, has confirmed it suffered a massive data breach involving Social Security numbers and other personal data on millions of Americans. 

The XXXX XXXX, Florida, company posted on its website a notice this week that " there appears to a have been a data security incident that may have involved some of your personal information. The incident is believed to have involved a third-party bad actor that was trying to hack into data in late XX/XX/XXXX, with potential leaks of certain data in XX/XX/XXXX and summer XXXX. '' News about the breach first came from a class action lawsuit filed in U.S. District Court in XXXX XXXX, Florida, and first reported on by XXXX XXXX. Stolen from XXXX XXXX XXXX XXXX XXXX XXXX  were XXXX XXXX records including names, addresses, Social Security numbers and relatives dating back at least three decades, according to law firm XXXX XXXX XXXX XXXX XXXX, which filed the suit.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX