davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX has a account open my credit reoprt that date XX/XX/2023 which is seven yr old, would like for this to be remove from my credit report
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

This company did not address all the concerns. I asked for the original wet ink signature of the original contract. I asked for the XXXX from the original creditor and I asked for the insurance as well. Has this been sold to another company. The letter did not address any of these points and you were asked to cease and desist until properly validated. You did not do your due diligence. 
XXXX. Verification of the debt, including the amount owed and how it was calculated. 
XXXX. A copy of the purchase agreement or contract that legally binds me to this debt. 
XXXX. Proof that you own or have been assigned the debt. The XXXX with the Original Creditor XXXX Detailed information on any payments made and any late fees assessed. 
XXXX. The insurance claim of the debt. 
XXXX. Statute of limitations and last payment missed on the debt Upon your receipt of identity theft you should have blocked all information for this report until further information.15 U.S.C . 1681n - Civil Liability for Willful Noncompliance 15 U.S.C. 1681o - Civil Liability for Negligent Noncompliance 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports** : - A consumer report can only be furnished for certain permissible purposes, such as for credit transactions, employment, or with the consumers consent. Unauthorized access or distribution of your credit report is a violation. who are you? and what contract was signed? by who? That's identity theft!! 
Violation of 15 U.S.C. 1692e ( FDCPA ) ** : - The use of false, deceptive, or misleading representations in the collection of this debt, including misrepresentation of the amount or legal status of the debt, is prohibited.

Violation of 15 U.S.C. 1692g ( FDCPA ) ** : - Failure to provide a validation notice within five days of the initial communication is a clear violation of the FDCPA.

Specific violations include collecting any amount ( including interest, fees, charges, or expenses ) not expressly authorized by the agreement creating the debt or permitted by law ( 1692f ( 1 ) ).

15 U.S.C. 1681c-2 - Blocking of Information Resulting from Identity Theft** : - Requires consumer reporting agencies to block information resulting from identity theft within four business days of receiving appropriate proof. 

So we now are dealing with several violations.
Consumer complaint received 2024-09-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (FL)

I have no connection and have never had a connection to IQ DATA INTERNATIONAL or the original creditor XXXX XXXX XXXX. 

This is a result of identity theft and I would like it removed from all 3 credit reporting bureaus.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I made XXXX security deposit for my capital one secure credit card XXXX dollars and XXXX dollars and they only credited me for XXXX dollars but my bank shows the charges are both on my account and I have been charged for them
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OR)

Dear officer, I am writing to formally lodge a complaint regarding an issue I have encountered with a MoneyGram transfer. On XX/XX/XXXX, {$2600.00} USD was sent to me via MoneyGram from XXXX to XXXX, XXXX. Upon visiting the agent to collect the funds, I was informed that they did not have sufficient funds on hand and that the amount would be sent to my bank account via XXXX I was assured that the money would be in my account within 24 hours.

However, after 24 hours, I called to inquire why the funds were not in my account. The assistant I spoke with was unable to provide an explanation, so I requested to speak with a supervisor. The supervisor informed me that an inquiry would be opened and that I should expect an email with a new reference number to withdraw the money.

Two days later, I called again to follow up with the supervisor, who informed me that they were still investigating the issue and that I should wait 10 days for a resolution. As of today, XX/XX/XXXX, it has been 5 days since the transfer was initiated, and I still have not received the funds. Despite the transfer status indicating that the money has not been withdrawn, MoneyGram has been unable to provide me with the money. 
I am filing this complaint because I have bills to pay, which are accruing interest, and this delay is causing significant financial strain. Furthermore, the person who sent the money on my behalf has also contacted MoneyGram to inquire about the delay and was told that the funds had already been delivered to me. This is incorrect, as I have not received any money.

I am deeply concerned that I may be a victim of fraud by the MoneyGram employees themselves, and I demand an immediate investigation into this matter. 
Please find attached images as evidence. I expect prompt action and a resolution to this issue without further delay. 
Thank you for your urgent attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC (AL)

Collection is reporting date wrong. The account was closed in XXXX or XXXX. Its reporting opened in XXXX but is not true. I am unable to locate any documentation saying when the account was closed through email or mail. I am also unable to log in to my account through rise credit.com. Im needing documentation stating when the account was closed.
Consumer complaint received 2024-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OPORTUN FINANCIAL CORPORATION (VA)

According to the attached letter from XXXX XXXX on XX/XX/2024 from complaint XXXX. She was to send a Identity Theft Packet. Almost 30 days letter. I have received nothing. Also worth noting. The copy of the loan I didn't take out it was in XXXX. Further evidence it's not mine. I couldn't have filled out a loan in XXXX. I can't even read this copy other than the name and numbers. 

Please send the Identity Theft Packet you were supposed to have sent. Now the 60 days I had will expire due to your negligence.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (DE)

I bank at Mt bank and they left me with nothing due to the fact they lost my debit card in the mail twice and when I talked to my local branch they were nothing but rude. The manager would not come to the phone and when I explained to the woman I wasnt able to get food because I dont drive I have XXXX she said I dont care what you have Im hanging up I have better customers to attend to. It was horrible and this has sent me into a deep XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (NC)

The account from XXXX XXXX. This account was charged off by XXXX XXXX and the account was close. Income can not be reported on my consumer report this account was filed on my consumer report as debt, but according to 15usc 1681 ( e ) b this is no longer a debt and was forgiven once the account is closed or charged off by the original debtor. I would like the Debt of validation letter from XXXX XXXX XXXX the debt collector that is trying to collect the debt for the company XXXX XXXX. If they cant provide validation I remedy this be taken off my credit report immediately all 3 bureaus. This has negatively impacted my life. 15usc 1681eb Debt of validation letter XXXX XXXX
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding LLC has tried on several attempts to sue me for a debt collection that I ( 1 ) do not owe LVNV Funding LLC for, ( 2 ) I have no knowledge if who they are, ( 3 ) constantly sending people to my PREVIOUS address to deliver something for a law suit files against me by them.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management (AL)

VALIDATION AND CEASE AND DESISTS Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AL XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 
XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THERE ISN'T ENOUGH SECURITY IN PLACE TO PROTECT MY CREDIT PROFILE FROM FRAUD AND IDENTITY THEFT! MY IDENTITY THIEF HAS ENOUGH INFORMATION TO REMOVE MY CREDIT FREEZES AND FRAUD ALERTS. I REQUESTED AN EXTENDED FRAUD ALERT BY MAIL AND THE THIEF CAN REMOVE IT WHENEVER THEY WANT!!! THEY CAN CALL IN ON THE PHONE AND REMOVE MY FREEZES. XXXX, XXXX, AND TRANSUNION DO NOT HAVE PROTECTIONS IN PLACE TO PREVENT THIS!!
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I am a victim of identity theft. 

Fraud Account Information Company Name : Lnv Funding c/o Resurgent Capital Fraudulent account number : XXXX Fraudulent Balance : {$320.00} Alleged Original Creditor : XXXX I have never had any relationship with the company with LNV Funding LLC c/o Resurgent Capital Services & XXXX XXXX XXXX XXXX 
This account is not mine. Fraudulent account was established using personal identification without my authorization. 
This account is the result of identity theft.
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation (KY)

I thought I was purchasing a XXXX XXXX for my store, which consist of a down payment for services and hardware, in which I paid, only to find out that the company XXXX  with out my knowledge had signed me up for an credit account, that apparently I was suppose to be paying on that I had no Knowledge of. To my Understanding my down payment that I paid at the sign up and the monthly payments after that, that we talked about was the only obligation that I knew of to My knowledge.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$320.00},
Consumer complaint received 2024-09-01
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (LA)

Debt Validation Persuant to 12 CFR 1006.34c. I am refusing to pay this debt and this is a notice to cease and desist all collection activities sent pursuant to the Fair Debt Collection Practices Act 12 CFR 1006.6c. This is not a request of verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above title and section. I respectfully request your company to provide me with competent evidence that I have a legal obligation to pay you. Also, if your offices have reported invalidated information to any of the XXXX major Consumer reporting agencies ( XXXX, XXXX and XXXX ) this action may constitute fraud under both Federal and State Laws. If your office are able provide me with the proper documentation in the letter that is attached as requested persuant 12CFR 1006.34c in the following Declaration, I will require at least 30 calendar days to investigate this information during which time all collection activity shall CEASE and DESIST. If your office fails to respond to this validation request within 30 calendar 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 2015-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

I am writing because I received a letter from Chase Bank XXXX XXXX to tell me that my mortgage loan will be transferred to XXXX inc on XXXX XXXX. Since then I have spoken to several Chase rep about my loan being transferred and why am I finding out so late but their only answer is that they can transfer the loan at anytime. I called Chase today to get a pay-off quote from them and was told by a Chase rep that my loan was transferred yesterday and the case was closed yesterday and that they were trying to get in contact with me. If they were trying to get in contact with me, how come i have no messages from them and how come they did n't tell me what they were trying to inform since I have spoken to them more than XXXX times in two days. I received a letter yesterday dated XXXX XXXX telling me to call and that they have been trying to get in touch with me. It is not true because I spoke to Chase several times last week and this week asking them questions about my loan. I have spoken to a rep by the name of XXXX XXXX before my loan was transferred. Now when I ask about the pay off quote, all of a sudden, they can not tell me. XXXX rep told me today that my loan was transferred and closed yesterday XXXX XXXX and then when I called back to speak to an escalation agent and she said that my loan was transferred on XXXX XXXX and they would n't have been able to give me any information. Someone is lying. I spoke to several Chase representative since I received the letter in XXXX and have spoken to several Chase rep this week XXXX XXXX and XXXX to get information about my loan and they transferred me to XXXX who says they can not give me any info until XXXX XXXX because Chase has n't transferred all my information yet. My apt is being sold and my closing is on XXXX XXXX and I have a right to know what my pay off quote from Chase is. 

Chase has lied to me so many times, first they said they were n't the XXXX to transfer the loan and it is XXXX, and I should call them, then they said that they transfer a whole bunch of loan at the same time and that they have no control over the loan being transferred. I have the right to have all the information needed about my loan whether or not the case is closed.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

There was fraudulent activity on my son 's account and CHASE bank did nothing to close or freeze his account. Unfortunately my son received a text from XXXX claiming to be from CHASE : Your debit is temporarily locked due to an unauthorized transaction. Review & Confirm XXXX XXXX XXXX  step My son click and they were able to hack his phone and obtain all his information. They changed his password and sent XXXX payments to two individuals through their phone on XXXX. I had open 6 complaints to indicate why my son wasn't notified of such transactions. They claimed it came from his phone which my son never authorized it. He has a CHASE app and would not go through XXXX to do such transactions to another state at XXXX. My son called them as he was not aware of what was happening on his account until he made a food purchase and said he was low on funds. The claims agent I spoke to said there was fraudulent activity of someone trying to open an account under my son 's name but was declined. My son was never notify of such issue. If CHASE was aware of such activity they should of froze my son 's account until they reach him. CHASE did not protect my son and should of have more confirmation from son 's through email or phone. This happened in XXXX, now CHASE sends multiple notification before sending XXXX, this measure should of been happening months ago. These scammers found a way to trick us. CHASE refused to look further as I provide phone message and calls when his phone was hacked. I was told that they don't even look into a claim, they refuse on the spot. They only open out of curtesy. The bank was aware and didn't nothing to stop these people from steeling my son 's money. They claim to record our phone conversation, as we ask for proof of my son ' approving such transaction and they refused. This happened XX/XX/2022 total stolen was {$510.00} with CHASE, this was my son 's college fund that he had save for.
Consumer complaint received 2024-09-03
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. (FL)

Dear Sir/Madam, I am writing to formally dispute the alleged debt of {$690.00} that has been reported by LVNV Funding LLC . I assert that I am not liable for this debt and request an immediate investigation under the relevant provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

**1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) : ** Under the FDCPA, specifically 15 U.S.C. 1692g, a debt collector is required to provide validation of the debt upon request. I have not received any legally sufficient documentation or validation that confirms my obligation to pay this debt. As such, LVNV Funding LLC is in violation of the FDCPA. 

**2. Doctrine of Estoppel by Silence : ** I invoke the doctrine of estoppel by silence, as established in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. LVNV Funding LLC has failed to provide proof of the alleged debt after I requested it, which under this doctrine, indicates that no proof exists, and therefore, no such debt exists. 

**3. Violation of the Fair Credit Reporting Act ( FCRA ) : ** Under the FCRA, specifically 15 U.S.C. 1681i, I am entitled to dispute any information in my credit report that I believe to be inaccurate or incomplete. Given that LVNV Funding LLC has not provided any verifiable evidence of my liability for this debt, I request that this item be removed from my credit report immediately. 

**4. Lack of Legal Standing : ** Furthermore, LVNV Funding LLC has not provided any legal documentation showing that they have standing to collect this debt. The absence of an assignment of the original debt to LVNV Funding LLC further invalidates their claim.

**5. Cease and Desist : ** I also demand that LVNV Funding LLC immediately cease and desist from any further attempts to collect this alleged debt until it can provide full and verifiable documentation that substantiates the claim. 

In light of the above, I request the following actions from the CFPB : 1. Investigate LVNV Funding LLC for violations of the FDCPA and FCRA.

2. Require LVNV Funding LLC to provide legally sufficient validation of this debt, if it exists.

3. Ensure that this debt is removed from my credit report immediately if LVNV Funding LLC can not provide such validation.

4. Enforce appropriate penalties against LVNV Funding LLC for their failure to comply with federal regulations. 

Please acknowledge receipt of this letter and inform me of the steps being taken to resolve this matter. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc (UT)

I attempted to send my mom money for rent and added her phone number to my XXXX XXXX account on Chime. Only after sending funds did I realize that it was going to someone other than my mom ( the system didnt show any alternative names prior to submission ). So {$150.00} went to a complete stranger who then took/accepted the money. I attempted to notify the company of what happened. They said theyd launch and investigation and then denied my claim and allowed the unauthorized party to retain my funds. They enabled theft.