davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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. (MO)

To Whom It May Concern : I am submitting a complaint regarding LVNV Funding LLC for inaccurately reporting a disputed debt on my credit report. This debt was previously disputed with XXXX XXXX, the original creditor, and subsequently removed from my credit reports due to XXXX XXXX violation of consumer protection laws. Despite this, LVNV Funding LLC purchased the debt and is now inaccurately reporting it as a collection account. I respectfully request the CFPBs assistance in ensuring the removal of this account from my credit reports with XXXX, XXXX, and XXXX. 

Account Details : Original Creditor : XXXX  XXXX Current Creditor : LVNV Funding LLC Account Number : XXXX Open Date : XX/XX/year> Reported Balance : {$1500.00} Reported Delinquency : XX/XX/year> Debt Purchase Date by LVNV Funding LLC : XX/XX/year> Issue Summary : XXXX. Previous Dispute and Removal by XXXX  XXXX : This debt was previously disputed with XXXX  XXXX due to inaccuracies and consumer protection law violations. XXXX XXXX ultimately removed the debt from my credit reports, acknowledging the validity of my dispute. 


XXXX. Inaccurate Reporting by LVNV Funding LLC : Despite XXXX XXXX removal of the debt from my credit reports, LVNV Funding LLC purchased this account and has since reported it as a collection with an installment balance. This action disregards the original dispute and removal of the debt, resulting in misleading and incorrect information on my credit reports. 


XXXX. Unlawful Re-Reporting of Disputed Debt : The continued reporting of this debt by LVNV Funding LLC is in violation of consumer protection laws, as the original debt was previously disputed and removed. Their actions are causing ongoing harm to my credit and financial standing. 



Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation. Due to the inaccuracies and the previous dispute with XXXX XXXX, I am requesting the immediate removal of this account from my credit report across all three credit bureaus.
Consumer complaint received 2023-09-22
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)

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2024-09-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XX/XX/XXXX XXXX XXXX  Request for Debt Validation Dear XXXX XXXX  I am writing to request validation of the debt referenced in your recent communication dated XX/XX/XXXX Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. Please provide me with the following information : 1. The amount of the alleged debt. 2. The name of the creditor to whom the debt is owed. 3. A copy of the original agreement that created the debt. 4. An itemized statement of the account. 5. Verification that you are authorized to collect this debt on behalf of the creditor. During this validation period, please cease all collection activities until this information is provided. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
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 — Investigation took more than 30 days
Company: Experian Information Solutions 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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

We seems to have a problem with JP Morgan Chase, recently we have issue payment to Chase account holders and the withhold the funds with no reason and take days and weeks to release the funds with no excuses. 

On XX/XX/2023 we issue a check from our company for USD {$50000.00} the check got clear from the account the same day from our account at XXXX XXXX. Nevertheless, the funds were not clear at our supplier bank until XX/XX/XXXX. This is an ABUSE! From Chase by withholding funds and abusing from clients. 

On XX/XX/XXXX we send a wire transfer to an individual at JP Morgan Chase for USD {$40000.00} and as of today XX/XX/XXXX funds are not available and they send a message to our bank XXXX XXXX that the wire was XXXX, nevertheless they do not return the money and they play with the funds. There is something going on as it is not normal. 

Not sure if JP Morgan Chase has any financial problem, it is very weird that this is happening, we do understand that banks play with consumer funds, but it seems like Chase is going beyond normal
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: Experian Information Solutions Inc. (NC)

I have sent complaints to the company directly as well as to all 3 credit reporting agencies. This false incorrect information continues to be reported on my credit reports XXXX, Experian, and XXXX. These accounts do not belong to me but yet they continue to report these accounts XXXX account # XXXX XXXX account # XXXX
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2023 I looked up my my bank account saw charges thats I did not recognize I call the bank citizen bank dispute all the charges ranging from XXXX XXXX {$500.00} all total {$30000.00} thats from my personal account my business account was {$6200.00} all charges was from same company they said they gone investigate they refunded my business account money {$6200.00} but they refusing refund my money from my personal account
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXXXXXX XXXX XXXX XXXX XXXX which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account Number : XXXX - Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. Please find attached copies of relevant documents, including [ list any documents, such as payment records, correspondence, etc. ], to support my dispute. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The three credit bureaus XXXX TransUnion and XXXX  are all in violation of federal law and need to be fine for reporting fraudulent accounts on my name that have been opened without my consent I have sent them all police report and Id theft reports they continue to violate federal laws with out penalties
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

In XX/XX/2020 I advised representative to update my payment information. The company continued to auto draft from an incorrect account, I call multiple times to correct this issue and finally issue was corrected. The agent agreed to waive all fees and assure that I would not be reported negatively to the credit bureaus. The following month I discovered the delinquency reported and once again they stated they would correct the issue. The account was current and the issue resolved. Even with the the auto draft issue there were no late or delinquent payments. The are very difficult to deal with and do not honor what they say.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have a lot of dates XX/XX/2023. XX/XX/2023, XX/XX/2023, Also I have others thats old to I have them uploaded these are inquiries thats on my credit sesame my XXXX! I didnt apply for anything someone stole my identity!
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX  and US Department of Education, yet they are not removing this fraudulent accounts. XXXX XXXX  and US Department of Education have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The following is the fraudulent account : XXXX XXXX, U S DEPT OF EDXXXX XXXX Date opened XX/XX/2020 Balance {$780.00} and U S DEPT OF EDXXXX XXXX Date opened XX/XX/2020 Balance {$460.00}.
Consumer complaint received 2023-09-22
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. (PA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unverified Account has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2023-09-07
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: Experian Information Solutions Inc. (TX)

On or around XX/XX/XXXX my wife and I applied for credit at XXXXXXXX XXXX XXXX ( Texas ) with salesman named XXXX who we specifically told we only wanted our credit ran once. Instead XXXX ran both of our reports a total of fifteen times with fourteen different banks. All of these hard inquiries resulted in both of our credit scores plummeting and not being able to qualify for a vehicle loan anywhere for years. 

On XXXX XXXX XXXX  I decided to try once more with the same company because I really wanted a XXXX and unfortunately was given XXXX yet again as a salesman. I expressly told him very emphatically I only wanted my credit ran ONCE, but instead he ran it five times against my will further ruining my credit where I can no longer get a vehicle loan anywhere on favorable terms. I asked him and his general manager, XXXX XXXX to fix the problem but they refuse, even lying to me by saying all of the hard inquiries during a given period only count once, which I proved wrong by emailing them screenshots of my credit report clearly showing all twenty hard inquiries that were individually made by each bank they illegally submitted me to since XXXX XXXX XXXX I have received no response from either of them. My credit is ruined because of their illegal and unauthorized actions which violate the Fair Credit Reporting Act. I would like justice to be served upon XXXXXXXX XXXX XXXX  XXXX XXXX ( General Manager ) and XXXX ( salesman ) and all of the unauthorized illegal hard inquiries to be removed except for the ones that were legitimately allowed, which are two.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: McCarthy, Burgess & Wolff, Inc. (OR)

I received a letter from a collection agency, McCarthy, Burgess, and Wolff, that there was a debt and I had until XXXX to respond via email, phone, and or mail. I submitted an email requesting validation of the debt asking for the contract of the original debt as I did not recognize this account. I have not received the validation of the debt from this company yet they are reporting this on my credit report as collections. They also are showing a past due amount that is inaccurate, not validated, on a closed account. This is inaccurate reporting on my credit report.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Card had 0 balance and I was just going to cancel it but I didnt and I pay the fee of XXXX and they said it was late and sent a negative report to the credit bureau over {$1.00} so then I used the card and bought airline tickets, meanwhile they sent another negative report again, I spoke to several people over the phone about this to no avail, so I paid off the card and closed the account. I work hard to keep my credit score in excellent standing now my credit score has been downgraded over XXXX points. I just wanted them to right the wrong, this card had a XXXX limit I am shocked and very mad about this. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (CA)

I had credit accounts with Accima previously all paid in full. I notice that they keep collecting payments from my checking account so I called to ask why? I was told that it was for anew credit line opened XX/XX/2019. I immediately informed that I did not open a new account with them and that I wanted them to investigate account. I placed a police report and identify theft report, affidavit and submitted everything to Accima and the credit agencies. I have called Accima several times requesting to provide me information and contracts and assistance with investing this account and they have fail to resolve this problem. Not only did they collected payment from my bank account and did not investigate the account when Informed that this account fraudulent they have also fail to remove it from my credit report. I have rights as a consumer and they are violating all the FCRA codes. Please assist me with resolving this problem.
Consumer complaint received 2023-09-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Friedman, Framme & Thrush, P.A. (MD)

Dear FRIEDMAN, XXXX & XXXX : I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Consumer complaint received 2020-06-16
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. (NY)

In XXXX of this year, I found out that my identity had been stolen. I checked my credit report and there were several student loans on my credit report. In total, there were 4 accounts all opened fraudulently using my identity. 

I alerted each credit bureau that my identity had been stolen by sending a letter, filing a FTC complaint, sending an FTC affidavit and filing a police report and requested that they remove the accounts. It is my understanding that victims of identity theft are to have fraudulent accounts blocked from their credit report within 4 days of receiving that notification but they refused to do so and declined to give an explanation as to why they would not do so. They stated that all of the accounts had been verified as mine. This is a direct violation of the FCRA. 

I reached out to the creditor directly and requested that they provide proof that the account is mine by showing a physical contract with my signature and show what method they used to verify that the debt is mine. Instead of doing so, they sent a follow up letter plainly stating that the account was verified. Lastly, I sent a of Notice to Furnishers of Information showing that they can only report accurate information and that they are in violation of the FCRA because they have received word from all three credit bureaus that my identity was stolen but they have failed to take any action whatsoever.