davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MD)

To whom it may concern, I am writing to XXXX  to the negative marks you have made on my credit file. I would be willing to accept the debt if it were mine and upon Valuation and Proof of Claim it is not mine. And there is no way you can validate it. Im sure you are aware of the Provisions of the Fair Debt Collections Practices Act so let it be known that I am requesting full validation of this debt. XXXX requested proof that I am intake party that you are asking to pay this debt. And the there is some contractural obligation which is binging me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes as legal validation here is a list of documents Date of last activity My completed social Security number That may help identify me as the person you are trying to collect from The agreement that bears the signature of The alleged debtor wherein he agreed to pay the original creditor The obligation between you and I to collect and transaction that binds me to an agreement to pay your company any claim that I owe.

Proof of identification state id drivers license that was presented at the time of this debt Letter of sale agreement from the original creditor to your company I look toward to a uneventful resolution of this matter XXXX XXXX
Consumer complaint received 2024-09-08
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (FL)

I recently discovered that my identity has been compromised, leading to the fraudulent creation of seven accounts in my name. These accounts were opened without my knowledge or consent, and I have no association with them. I became aware of this identity theft after noticing unusual activity on my credit report and receiving communications regarding accounts I did not open. 
I am taking the necessary steps to address this issue, including reporting the theft to the FTC, contacting the companies involved, and taking measures to protect my personal information from further misuse.
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brock & Scott, PLLC (GA)

I am filing this complaint because the debt collector, Brock & Scott, PLLC., failed to provide validation of an alleged debt in response to my written dispute letter, which I sent on XX/XX/year>. Under the FDCPA ( 15 USC 1692g ), I have the right to request verification of the debt within 30 days, which I did. The collection agency received my letter on XX/XX/year> ( as confirmed by certified mail ), but they have not provided the requested proof of the debt to date. No documents were provided showing the assignment or transfer of ownership of the debt from the creditor to Brock & Scott , PLLC. giving them the legal right to collect the debt, nor a copy of the original agreement or contract that was signed with the creditor.
Consumer complaint received 2024-09-08
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (FL)

I recently discovered that my identity has been compromised, leading to the fraudulent creation of seven accounts in my name. These accounts were opened without my knowledge or consent, and I have no association with them. I became aware of this identity theft after noticing unusual activity on my credit report and receiving communications regarding accounts I did not open. 

I am taking the necessary steps to address this issue, including reporting the theft to the FTC, contacting the companies involved, and taking measures to protect my personal information from further misuse.
Consumer complaint received 2024-09-15
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC. (CA)

XX/XX/year> XXXX XXXX, XX/XX/year> and so on this company has emailed numerous times trying to collect a debt in which I have never made any agreement nor a contract with such company. in which I believe this a company that bought my information from " XXXX XXXX XXXX " I would like this company or organization to stop contacting me, and remove all information of mine.
Consumer complaint received 2024-09-08
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: Waypoint Resource Group, LLC (MS)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of the debt and your ability to collect this money from me. I ask that you indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach copies of the following documents : *Agreement that you have authority to collect alleged Debt *Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
*Complete payment history on this account, to prove the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-19
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. (FL)

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX Account NumberXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MS)

On XX/XX/year> my bank sent an alert that my XXXX XXXX had dropped by XXXX plus points. I logged in to XXXXXXXX XXXX XXXX and my student loan from MOHELA was listed twice. I did a dispute with XXXX. I have also tried to contact MOHELA today, XX/XX/year> with no results.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

Found out Jefferson Capital Systems is a collection agency trying to collect on a debt from XXXX XXXX XXXX but has never provided me with a notification in which I could dispute this debt. I contacted XXXX, XXXX and XXXX XXXX to have this debt removed but they ( all XXXX credit reporting agencies did not DELETE OR REMOVE THIS INACCURATE DEBT and listed it as being validated ) I requested that XXXX, XXXX XXXX XXXX XXXX OBTAIN THE SIGNED PURCHASE AGREEMENT BETWEEN Jefferson Capital System and XXXXXXXX XXXX XXXX. NOTHIN G HAS BEEN PRODUCED AND THIS DEBT IS BEING REPORTED AS VALID, ACCURATE WHICH IS NOT TRUE. In addition, the amounts being listed on this collection account is absolutely wrong and inflated. I NEVER HAD A {$1400.00} CREDIT CARD IN MY LIFE!!!!!!!!!!!!! I WANT THIS DEBT IMMEDIATELY REMOVED FROM MY XXXX, XXXX AND XXXX XXXX CREDIT PROFILE!
Consumer complaint received 2024-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC. (OH)

Pennicle recovery, inc was notified in writing that the debt they are trying to collect belongs to my exwife per court order as she is the primary ( first listed ) person in the account. Supporting documentation has been sent to Pennicle by certified mail that requests a signature in order to be delivered. I have received such documentation that supports that the documents were signed for via the United States post office. They continue to list me on the correspondences while attempting to collect the debt.
Consumer complaint received 2024-09-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (TX)

Certainly! Heres a letter you can use to address your situation with the Consumer Financial Protection Bureau ( CFPB ) regarding the XXXX XXXX account, now owned by Waypoint Resource Group LLC : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Request for Removal of Debt Due to Identity Theft and XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding a critical issue with my credit accounts. I am a protected individual under the XXXX XXXX XXXX XXXX  ( XXXX ), and I am dealing with severe consequences related to XXXX XXXX and identity theft. 

**Account Details : ** - **Original Creditor : ** XXXX XXXX - **Current Owner : ** Waypoint Resource Group LLC - **Address for Waypoint Resource Group LLC : ** XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX **Amount Owed : ** {$660.00} **Background and Request for Resolution : ** During my time living in West Virginia, I was subjected to extreme XXXX XXXX by XXXX XXXX, who is also the individual listed in the XXXX XXXX XXXX I am submitting . This XXXX  included XXXX  XXXX, XXXX XXXX, and severe harassment. Notably, XXXX XXXX stole my identity, which has led to the creation of unauthorized accounts in my name, including the one with XXXX XXXX. 

I have never had any knowledge of, or involvement with, the account in question. The XXXX  and identity theft have significantly impacted my financial situation and have caused me immense distress. 

**Requested Action : ** - **Removal of Debt : ** I request that the account originally with XXXX XXXX  XXXX now held by Waypoint Resource Group LLC , be removed from my credit report. The account was fraudulently created due to identity theft perpetrated by XXXX XXXX during the course of the XXXX. 
- **Review and Adjustments : ** I ask for a thorough review of my situation and the removal of any related negative entries from my credit report that stem from this identity theft. 

Attached, you will find relevant documentation, including the XXXX XXXX XXXX and evidence supporting the identity theft and XXXX. I hope this information clarifies my situation and supports the request for removing this debt from my record. 

I appreciate your prompt attention to this matter and your understanding of the severe impact these circumstances have had on my life. Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or documentation. 

Thank you for your assistance and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (IL)

I have been receiving phone calls from XXXX companies that have been calling me multiple times of days during the week trying to collect debt. I have notified them over phone and In writing that I am not paying any debt until I receive my letter of verification of debt. Stating that I owe that debt.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

Collection Agencys : Jefferson Capital LL Charging Amount : {$1800.00} Dear Sir/ Madam : Im writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally please note that I do not wish to received further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to request. See 15 U.S.C 169 ( C ). 

Thank you for your attention to this matter
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-08-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX REPORTED XX/XX/XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX ACCOUNT OPENED XX/XX/XXXX BALANCE OWED : {$3200.00} THIS ACCOUNT DOES NOT/ HAS NOT BELONGED TO ME. THIS DEBT BELONGED TO A FAMILY MEMBER. HOWEVER THIS INFORMATION WAS PUT ON MY REPORT WAS NOT AUTHORIZED NOR WAS I AWARE OF THE OPENING OF THIS ACCOUNT
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-21
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. (TX)

I am writing to formally complain about the inaccurate information on my credit report. Specifically, the Date of Last Activity, Date Opened, and Date Last Reported for certain accounts are incorrect. 

Despite my previous dispute, you have stated that the accounts were verified, but no changes have been made to correct the inaccuracies on my report. These errors are affecting my credit, and I request that you take immediate action to either : Correct the inaccurate dates on my report. 
Remove the inaccurate accounts from my report if the information can not be accurately verified. 
Please confirm that you have received this complaint and that corrective action will be taken promptly.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Revolution Financial Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX XXXX. 

Subject : Opt-Out Request for Sharing and Selling of Personal Information Dear Evolution Financial, I am writing to formally request that you cease the sharing and selling of my personal information and data to any third parties. I understand that under various privacy laws, I have the right to opt out of such activities and protect my personal information from being disclosed without my consent. 

Please consider this letter as my official request to opt out of any and all sharing and selling of my personal information. I do not authorize XXXX XXXX to disclose or sell my data to any companies or individuals. 

I would appreciate written confirmation that my request has been processed and that my personal information will no longer be shared or sold. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-09-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (OH)

On XX/XX/2024 I settled my debt with the CBE group for {$100.00} from the original debt of XXXX. I have pics of the settled amount and payment submitted. I called them on XX/XX/2024 and requested a receipt and I never received one but they updated my account with XXXX stating I still owed a balance of {$41.00}.
Consumer complaint received 2024-08-21
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. (IN)

I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter.
Consumer complaint received 2024-08-21
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-14
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI (VA)

General Revenue Corporation collection agency is collecting on a account that I am not aware of. I do not have a signed agreement or payment history with GRC. I have requested a validation letter with the following : 1 ) signed agreement 2 ) payment history 3 payment made with GRC. Yet, GRC failed to provide this details and I have repeated disputed this collection. My next step is to take legal action with GRC and seek damages due to not receiving the information as my rights to confirm/validate information on my credit reports. GRC continues to harassed from XXXX to XXXX to collect payment that GRC can not provide legal documents on GRC letterhead .
Consumer complaint received 2024-08-21
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my 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
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.