davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (PA)

Dear TD Bank Customer Service, I am writing to formally express my dissatisfaction with the handling of my recent dispute. On XX/XX/XXXX, I reported that I dropped my card and that several charges were unauthorized. The following day, I was informed that my dispute had been closed without a proper resolution. 

When I called again today, I was told that my claim was still open, yet there was no update on the status. I find it unacceptable that my concerns are being ignored, and I am frustrated by the refusal to properly address these charges. 

This situation has caused significant inconvenience in my life. I have been forced to call out of work and am struggling to manage my day-to-day needs. 

I urge you to reopen my dispute and take immediate action to resolve this issue. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (FL)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX Dear Credit bureau, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
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. (OH)

XXXX XXXX is reporting inaccurate to XXXX, XXXX and Equifax. I have never been late on any payments. Date XX/XX/XXXX, amount {$550.00}. I tried contacting XXXX XXXX asking to have my account updated to paying as agreed on all three bureaus. I was advised that my request would be forwarded to the proper department to review and update. Nothing has been updated on any of my credit bureaus. XXXX XXXX, XXXX, XXXX, and Equifax is violating my rights as a consumer under Section 15 USC XXXX. 

There are about XXXX inquires reporting on all three of my bureaus that I never authorized or gave consent to anyone at the reporting companies to run my credit. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
XXXX is reporting unauthorized inquires from 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 is reporting unauthorized inquires from 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 
Equifax is reporting unauthorized inquires from 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 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. (MD)

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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. (FL)

This Account was charged off on the following date XXXX since then the account has repeatedly been updated as charged off every month. 
A charged off account shouldn't include an active payment history this inaccurate information falsely manipulates the statute of limitation please investigate this account properly after i asked you to do it Twice and your neglect has violated my rights, I am demanding a deletion of the following accoun. Account XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (FL)

I began receiving calls from a company call AR XXXX on XX/XX/XXXX. When I returned the call I was told that there was a pending judgement against me for a payday loan from the fall of XXXX and that it went delinquent in early XXXX. The amount was around {$700.00} and only {$150.00} had been repaid. I advised them that I had not taken out a payday loan and could they send me the documentation that they had so that I could contact an attorney to get the matter cleared up. I was told that they had already sent the information and would not resend. On a second call with the company the lady I spoke with did provide verbally to me that an XXXX  drivers license was used and the birthdate and last XXXX digits of my social security number did match. She couldn't pronounce the name of the street address on the license and she started spelling it out. It was not any street that I lived on in XXXX, XXXX  between XXXX and XXXX. I also did not have an Ohio drivers license in XXXX as I had to turn it in to the state that I relocated to in XXXX. I have asked 3 times that they provide me with documentation regarding this issue and they repeatedly have denied sending it to me. My last call to them on XX/XX/XXXX I was hung up on twice, by a 'XXXX  XXXX and a 'XXXX  '. XXXX said she was a floor supervisor and would just have her legal department send me a subpoena.
Consumer complaint received 2024-09-29
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Progrexion Holdings, Inc. (CA)

Someone is using my information ( XXXX XXXX ) for services from creditrepair.com. i called them on XXXX  and spoke to XXXX. He was supposed to close file but I received email that they continued with services which i never requested. Someone using address XXXX XXXX, XXXX XXXX  was on my credit report. I requested it be removed from the credit bureaus.
Consumer complaint received 2024-09-25
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: Resurgent Capital Services L.P. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX and collections has unlawfully purchased my information from LVNV FUNDING LLC c/o Resurgent Capital Services XXXX I have been in dispute for these accounts.Instead of LVNV FUNDING providing me with validation of debts, they proceeded to sell my information without my consent. LVNV FUNDING informed me they are unable to provide validation because they DO NOT Have the proof I am asking for. This is now a legal matter and I will like XXXX XXXX to cease all contact with me as they do not have my written or verbal consent. They are now threatening to tarnish my reputation via my consumer report and this is considered abusive practices. LVNV FUNDING has now used this sale as a way to coerce payment and they are in violation of the FDCPA. I have not received any notice that LVNV FUNDING LLC was planning to sell my information again. This is misleading, identity theft, and I will be pursuing this with my attorney.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AUTOMOBILE ACCEPTANCE CORPORATION (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

I've noticed a collection entry from your agency on my credit file that I wasn't previously aware of. I have serious concerns about the accuracy of this claimed debt. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I'm exercising this right and asking you to provide the necessary validation and address this issue.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

This company XXXX XXXX  sold my debt to lvnv collection agency XXXX of my debts. 
These debts are being paid by a third Party Agency XXXX XXXX, I had given to pay XXXX years earlier and were scheduled to pay that are part of XXXX XXXX XXXX have paid XXXX large accounts and XXXX  was next to pay.I have XXXX XXXX  accounts and XXXX is being paid monthly which leaves XXXX XXXX  accounts agreed at a lesser amount. 
This collection agency LVNV have negative effect on credit score after 2 years of repairing score with XXXX XXXX and should not have accounts in the first place XXXX ( XXXX ) XXXX ( XXXX )
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report. 

As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of {$600.00} or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. 

Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of {$600.00}. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations.

Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.
Consumer complaint received 2024-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I was supposed to get my direct deposit from social security for the amount of {$930.00} on the account ending XXXX on XX/XX/year> and citizen bank still XXXX released my check or my funds to my account and am supposed to get my direct deposit 2 days after my payday and Citizen Bank did not release my funds to my new account.
Consumer complaint received 2024-09-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (TX)

I received a ding on my credit from credit management company for {$1200.00}. I have never received anything in the mail, email, or phone call from this company. They said this was from a hospital bill from XXXX That was 7 years ago. I have never been contacted about this before it hit my credit and do not recall even being in the hospital 7 years ago.
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. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$1400.00} & {$180.00}. According to FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (KS)

My original loan amount was {$650000.00}. On XX/XX/XXXX, Freedom Mortgage received {$590000.00} plus {$250.00} recasting fee that I sent them. Freedom Mortgage did two things that I believe were wrong : 1 ) They still required that I pay the original mortgage payment amount ( based on {$650000.00} loan ) due XX/XX/XXXX. 
2 ) They continued to charge me for mortgage insurance. I was charged for mortgage insurance on XX/XX/XXXX. As I understand the Homeowners Protection Act of 1998, Freedom Mortgage should have automatically canceled my mortgage insurance when my my loan fell below 78 % of the home value ( mine was at 9 % on XX/XX/XXXX ).
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (IN)

Heights Finance calls me multiple times a day starting at XXXX even though I told them I work 2nd shift and not to call before XXXXThey also call me when Im at work and 3 plus times a day! My paperwork says its a XXXX late fee but they add XXXX. I asked him when he called and he said its charges added up but I have had my account balance to XXXX  a few times! This makes me not want to answer my phone or pay them! They harass constantly
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (NJ)

In accordance with the credit reporting act this creditor ( XXXX  XXXX ) has violate my right under 15 U.S.C. 1681 I have the right of privacy The Fair Credit Reporting Act ( FCRA ), found in 15 U.S.C. 1681 et seq., protects the privacy of consumer information, and ensures the accuracy and fairness of consumer credit reports. The FCRA applies to consumer reporting agencies ( CRAs ), which collect and sell financial and credit information about individuals In accordance with Section 2 of 1681a, consumer reporting agencies are prohibited from providing account information without my explicit written instructions. And under 15 U.S. Code 1666b - Timing of payments 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 2024-09-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (NJ)

" Phoenix Financial Services '' or PFS has been calling me for almost a year now, over and over on a daily basis, from a different number every time. Most recent of them was a XXXX number XXXX XXXX XXXX. I have them blocked on over a hundred different numbers they have called me from. I told them to stop contacting me. This is harassment at all hours of the day.
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. (NV)

I have been a victim of identity theft since XXXX, I found out that someone used my name and personal information to obtain an auto loan with XXXX, I have never applied for a loan with them nor have I ever done business with them. 

I contacted XXXX, the XXXX major credit bureaus and it was found that the loan was part of identity theft and that it should be removed from the reporting agencies, unfortunately XXXX has refused to remove the account from reporting to Equifax.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

RESURGENT/LVNV FUNDING have been harassing me with bullying tactics. They continue to persist on pursing me on regarding an alleged debt that does not belong to me. I have sent Cease and Desist notices, I have spoken with Representatives on the phone, whom insisted they would no longe pursue me. They have sent emails to my family members regarding this alleged debt. In fact, all the credit reporting agencies continue to display the last dispute that I submitted and it also hinders my opportunity to resolve this matter. I am tired of having to deal with these inappropriate activities. Pursuant to 15 USC 1692 ( G ) they have not provided anything to justify the alleged debt belongs to me. No signatures have been produced, no chain of custody for the alleged account, no contract that suggest that we have an agreement respectively. I want these accounts removed from my credit report or I will take legal action against them.
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. (DE)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C. (AZ)

XXXX XXXX firm attempting to collect debt from XXXX years ago, I get letters all the time just got one saying notice to discharge and release garnishee. There is no garnishment.