davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MA)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that 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 three major credit bureaus ( XXXX, XXXX, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company 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 and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. Please be advised that the alleged debt that you are attempting collect is uncollectable for the following reasons : XXXX. Creditor is in breach of any alleged agreement that it claims I am bound by. 2. Creditor failed to make full disclosure in its credit card agreement prior to soliciting my application to be bound by it. 3. Due to the breach and lack of full disclosure, you are attempting to collect an alleged debt from me, you are committing false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud. 4. Creditor has failed to fully disclose the fact that it sold its credit card receivables relating to the alleged account that you claim I am bound by. This transaction is a securitization. XXXX. Due to the securitization of the initial outstanding balances of the alleged account, creditor is not a holder in due course, and therefore has no rights or interest in the receivables you are attempting to collect. 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 2024-01-09
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 have been a victim of identity theft which I discovered around XX/XX/. I have notified all consumer reporting agencies with a FTC Identity theft report which listed all the accounts added to my report without my knowledge. Some of the items were removed and some were not. The situation has caused my own banking privileges to be dramatically downgraded and created a storm of financial complications, unknown collection accounts and debt which is now attached to my name. The consumer reporting agencies are not exactly helping and I am unsure where to turn. I was told that it can take another 30 days for the creditors to respond to my disputed accounts on top of the previous 60 days which is unacceptable and even uncertain. I am completely blinded by the situation and unsure how to remedy the problem. Please help.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As a consumer, I am compelled to file this urgent and formal complaint against TransUnion for significant violations concerning my credit report, which are gravely affecting my financial health, livelihood, and privacy. These actions are a clear breach of the FCRA and constitute an unacceptable intrusion upon my seclusion. Details of the Complaint : ( 1 ) Unauthorized Inquiries and Privacy Breach : There are inquiries on my credit report that I never authorized. This is not only a misrepresentation of my credit activities but also a severe violation of my privacy, indicating an intrusion upon my seclusion. Such actions have threatened my financial security and personal privacy. 
( 2 ) Inaccurate and Incomplete Information : TransUnion has also reported inaccurate and incomplete information on my credit report. This negligent handling of my credit information is damaging my financial reputation and directly violates my rights as a consumer. The combined effect of these unauthorized inquiries, inaccuracies, and the blatant disregard for my personal privacy is alarming. It suggests a significant lapse in the protection and management of my sensitive financial data, that has led to adverse consequences for my financial and personal well-being. ( 3 ) Immediate and Firm Actions Required : I demand an immediate, thorough investigation by TransUnion into these serious discrepancies. All inaccuracies, incomplete data, unauthorized inquiries, and any breach of my privacy must be rectified or removed from my credit report promptly. 
TransUnion must adhere to the FCRA 's 30-day timeframe for investigations. ( 4 ) Consumer Rights and Expectations : I expect a detailed written report of TransUnion 's findings at the conclusion of the 30-day investigation period, along with an updated copy of my credit report, by mail. This is my right under the FCRA, and any failure to comply will lead me to consider further legal actions to protect my privacy and consumer rights. The negative impact of these issues on my financial health, livelihood, and personal privacy is profound. I urge TransUnion to address this complaint with the highest level of urgency and seriousness.
Consumer complaint received 2024-01-08
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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-13
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. (TX)

I sent Transunion a letter on XXXX informing them that they have violated my rights and could they please correct the information on my credit report and I have not been able to get a response nor a resolution, in fact I am still getting calls regarding this account. in my letter i informed them of this : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TRANSUNION This letter will serve as a formal notice informing you that my rights as a federally protected consumer have been violated. 
You have unlawfully and willfully reported LATE payments and Utilization ( which are transactions and experiences ) to my credit and in accordance with the FCRA : 15 USC 1681a 2 ( A ) ( i ) : Exclusions - Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Because Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, so I am confused as to why you TRANSUNION are reporting late payments from ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX for XXXX, XXXX & XXXX ) ( XXXX XXXX XXXX for XXXX & XXXX ) ( XXXX  XXXX for the months of XXXX, XXXX & XXXX ) ( XXXX XXXX for XXXX & XXXX ) ( XXXX XXXX for XXXX, XXXX & XXXX ) when such an action is a clear violation of my consumer rights in accordance with the FCRA ACT! 

As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with Maximum Accuracy. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you TRANSUNION feel that said protection is not mine to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and utilization as well as statements showing that these payments were late, and documentation authorizing you TRANSUNION to report my utilization. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! And Utilization removed! Or remove it from my consumer report altogether.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (AL)

I am filing this complaint against Early Warning Services ( EWS ) for violating the Fair Credit Reporting Act ( FCRA ) by furnishing unverifiable information on my consumer report. This inaccurate information is causing me significant harm and impacting my ability to obtain a checking/ savings account at any bank On XX/XX/2023, I submitted a dispute to EWS regarding the following inaccurate information appearing on my credit report : XXXX  XXXX XXXX ID : XXXX Regions Bank Case ID : XXXX I provided EWS with supporting documentation demonstrating the inaccuracy of this information. Despite this, EWS claimed to have conducted a reinvestigation but subsequently stated that they lacked access to the account documentation necessary to verify the disputed information.

Violation of the FCRA EWS 's actions violate the following provisions of the FCRA : Section 623 ( a ) ( 5 ) : ** Prohibits CRAs from furnishing information they " know or have reasonable cause to believe is inaccurate. '' EWS 's claim of lacking access to the information constitutes " reasonable cause to believe '' in its inaccuracy.

Section 611 ( a ) ( 5 ) : ** Requires CRAs to delete inaccurate information from consumer reports upon receiving a dispute if they can not verify its accuracy within a reasonable period. EWS has failed to remove the disputed information despite lacking access to necessary verification documents.

Harm and Damages This inaccurate information has caused me significant harm, including obtaining a bank account. These consequences have resulted in emotional distress and reputational damage.
Consumer complaint received 2024-01-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC (FL)

GoodLeap, formerly Loanpal is a finance technology company that provides financing options to customers of other companies, especially to solar energy installers ; https : //goodleap.com.

GoodLeap will not provide me with statements or information concerning my account. This is possibly a deliberate, system wide, policy to confuse GoodLeap customers and prevent consumers from paying off their loans on time. 

Failure to pay off the loan balance within the promotional period will trigger a 15.49 % interest charge for an entire year. Therefore it is greatly in GoodLeaps interest to have confused consumers miss their promotional deadline. 

In XX/XX/XXXX my HVAC contractor installed two new HVAC units and convinced me to use GoodLeap to finance the {$24000.00} plus bill. GoodLeap created my account as follows : Account Number XXXX deferred interest rate 15.49 % Maturity Date : XXXX/XXXX/XXXX  Promotional Period End Date XX/XX/XXXXXXXX  First Payment Date : XX/XX/XXXX Inder the terms of my GoodLeap loan no payments were required for one year and no interest was charged if full payment was made by the Maturity Date. If the loan was not paid off in full by the Maturity Date, the customer is charged 15.49 % on the entire loan amount for the entire previously year. 

Obviously GoodLeap enjoys no benefit if the loan is paid off by the Maturity Date. Obviously GoodLeap enjoys considerable benefit if the loan is not paid off by the Maturity Date. Therefore it is in GoodLeaps interest to confused consumers by not providing timely account information. 

On numerous occasion I logged into the GoodLeap webpage to see my loan balance and payment history. Most recently I did this on XX/XX/XXXX. When my loan information was unavailable I telephone GoodLeap. The GoodLeap steered me to the webpage where monthly statements are available. I pointed out these statements do not show the original loan amount, the principal paid to date, and the remaining principal. The GoodLeap agent said my monthly statements showed {$0.00} amounts because I had not made a payment.

The GoodLeap agent said the GoodLeap webpage did not have a place where I could access my original loan amount, the principal paid to date, and the remaining principal. In my opinion, this basic information should be easy to access and readily available to consumers ; it is not.
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (PA)

I submitted a letter to Convergent XXXX  requesting that they validate and NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2024-11-05
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Grow Credit Inc (MO)

Dear Sir/Maam I am writing to formally request the removal of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

*Grow Credit IncXXXX XXXX Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the removal of my credit account information will be completed within the timeframe specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws.
Consumer complaint received 2024-09-18
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: ENCORE CAPITAL GROUP INC. (TX)

I am filing a formal complaint regarding an ongoing collection attempt by Midland Funding, for a debt that was sold to them by XXXX XXXX XXXX. This debt was paid off and forgiven by [ Previous Company ], yet the second agency continues to pursue me for payment. Enclosed is my documentation, including proof of the original settlement and a cease and desist letter I have sent to the second agency. 

I request that you investigate this matter and take appropriate action to have this debt removed from my records. 

Thank you for your attention to this issue.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

Despite the multiple previous written requests, the unverified item 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 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? 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 item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (CT)

I enrolled in an Offer with discover. 
The offer was as stated : '' Activate now and earn {$250.00} extra cash back when you spend at least {$2500.00} by XX/XX/. '' I did indeed activate. 

I spent roughly {$300.00} across other transactions in early XXXX. 
I made a last purchase of roughly $ XXXX on XX/XX/XXXX the deadline. The customer service representative stated that my transaction posted on my account in XXXX therefore I was ineligible. 

According to the terms and conditions. 
" To qualify for the extra {$250.00} Cashback Bonus, the transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. '' In fact, the transaction was made on XX/XX/XXXX and the online order was picked up on the XXXX. The promotion does not indicate that the preauthorization must become a full authorization by the offer date, that is bank business and a clever loophole for bank/credit fraud XXXX