davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (IL)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Resurgent Capital Services L.P . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Follow-Up Request for Debt Validation Account Number : XXXX CFPB Case # : XXXX Reference Number : XXXX Dear Resurgent Capital Services, I am writing to follow up on my original request dated XX/XX/year>, regarding validation of the debt referenced above. 
After reviewing your response dated XX/XX/year>, I have identified several deficiencies. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request full compliance in providing the required documentation to validate the debt. Specifically, I requested : 1. Verification of the Debt Amount : While you provided a summary balance of {$870.00}, you did not provide any evidence of a signed contract or binding agreement that establishes the legitimacy of this debt. Please supply proper documentation proving the validity of the amount owed.

2. Documentation of All Assignments : You failed to provide evidence showing the transfer of this debt from XXXX XXXX  to LVNV Funding LLC. Kindly provide copies of the assignment or bill of sale proving the legal transfer. 
3. Proof of Securitization : I requested evidence that the original creditor securitized the debt. This was not addressed in your response. Please provide the necessary documentation if applicable. 
4. Cease and Desist Collection Efforts : Despite my clear request, your letter does not acknowledge that collection efforts should cease until this debt is validated. I expect all collection efforts to stop immediately until this matter is resolved. 
5. Permissible Purpose : You did not provide a reason for accessing my credit information. Please state the permissible purpose under the Fair Credit Reporting Act ( FCRA ) for doing so without sufficient validation of the debt. 
Furthermore, under the Fair Credit Reporting Act ( FCRA ), you are required to cease reporting this debt to any credit reporting agencies until you have provided full validation. If this debt has already been reported, I request that you update my file to reflect that it is disputed. 
Additionally, please acknowledge in writing that you will cease all collection efforts until the requested validation is provided, as required by law. 
Failure to comply with my request within 30 days will result in immediate escalation, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for violations of the FDCPA and FCRA. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-21
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. (OK)

My rights are being violated by the reporting agencies.IRS defines a " charge off '' as gross income. ( income ) DOES NOT get reported on a consumer report. In accordance with ( 15 USC 1681a ) the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.i demand the charge off with XXXX XXXX be removed.
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GOLDMAN SACHS BANK USA (GA)

Apple Card has violated the FDCA as outlined in XXXXXXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements. If Goldman Sachs continues to report I will have no other choice but to begin filing for arbitration.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MI)

XXXX @ XXXX Im XXXX XXXX XXXX and have XXXX XXXXXXXX. One including XXXX XXXXXXXX. Theres some people inside my apartment complex know all my financial and health history and consider me an adversary. It started in XXXX, IL. When I got married, got confused on how to used my name. I used XXXX XXXX XXXX while living in XXXX, IL. The M represent my maiden name, XXXX and my middle initial is XXXX. I have been active with Chase since XXXX and never had a problem until I moved to Michigan XX/XX/XXXX when Michigan XXXX changed my name as XXXX XXXX XXXX. Since the changed, I started having all kind of fraudulent activity done against me. For some unknown reason, either Chases system keep changing my name or a staff member is changing my name.I had it fixed several time including XX/XX/XXXX as preferred name XXXX XXXX XXXX and keep whats on my driver license.on file. I signed a bank signature card at least 3 or 4 time. How do I get somebody, of Authority to keep my name from changing in Chases system.
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Resurgent Capital Services L.P . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Follow-Up Request for Debt Validation Account Number : XXXX CFPB Case # : XXXX0831-15857960 Reference Number : 797153476 Dear Resurgent Capital Services, I am writing to follow up on my original request dated XX/XX/year>, regarding validation of the debt referenced above. 
After reviewing your response dated XX/XX/year>, I have identified several deficiencies. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request full compliance in providing the required documentation to validate the debt. Specifically, I requested : 1. Verification of the Debt Amount : While you provided a summary balance of {$1700.00}, you did not provide any evidence of a signed contract or binding agreement that establishes the legitimacy of this debt. Please supply proper documentation proving the validity of the amount owed.

2. Documentation of All Assignments : You failed to provide evidence showing the transfer of this debt from XXXX XXXX XXXX, XXXX. to LVNV Funding LLC. Kindly provide copies of the assignment or bill of sale proving the legal transfer. 
3. Proof of Securitization : I requested evidence that the original creditor securitized the debt. This was not addressed in your response. Please provide the necessary documentation if applicable.

4. Cease and Desist Collection Efforts : Despite my clear request, your letter does not acknowledge that collection efforts should cease until this debt is validated. I expect all collection efforts to stop immediately until this matter is resolved.

5. Permissible Purpose : You did not provide a reason for accessing my credit information. Please state the permissible purpose under the Fair Credit Reporting Act ( FCRA ) for doing so without sufficient validation of the debt. 
Furthermore, under the Fair Credit Reporting Act ( FCRA ), you are required to cease reporting this debt to any credit reporting agencies until you have provided full validation. If this debt has already been reported, I request that you update my file to reflect that it is disputed. 
Additionally, please acknowledge in writing that you will cease all collection efforts until the requested validation is provided, as required by law. 
Failure to comply with my request within 30 days will result in immediate escalation, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for violations of the FDCPA and FCRA. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-09-21
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. (KS)

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. Account name : XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681Section 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. 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 2024-10-15
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. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-15
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST HAWAIIAN, INC. (HI)

Today, XXXX received a call from your office saying & verifying if I tried to apply for a new credit card w/XXXX. I told the person no. He transferred me over to XXXX XXXX XXXX. 
I must clarify : Why do I need to close my CC with my FHB and XXXX? You need to have employees who can speak good XXXX so I can understand. It was so hard to understand XXXX, I told himhe was talking too fast for me to understand. 
Yes, my Social Security number and driver 's license were given to whom I thought was the FBI. But after realizing I had been speaking to a person hacking accounts, I notified the Credit Bureau and XXXX XXXX. 
Can someone help me? 
Thank you, XXXX XXXX
Consumer complaint received 2024-09-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NV)

In XX/XX/year>, I contacted the debt collection company LVNV Funding regarding accounts that they began reporting on my credit report. I notified the debt collector that I moved and I never received the initial communication regarding their ownership of the accounts. After filing a complaint with the CFPB, I was finally able to receive the initial communication regarding the debts through the assistance of the Bureau. After I received this initial communication through the Bureau, I contacted the debt collector LVNV Funding and notified them that I disputed two of the accounts that they currently own. Both debts are invalid for different reasons. One debt I did not sign for, and the other debt was paid off to the original owner of the debt and neither the original owner of the debt nor I have ever heard of the alleged debt collector that LVNV Funding purchased the account from. 
The issue is that LVNV Funding owns multiple debt accounts that they claim belong to me and that I am responsible for paying the debt. I remember recently paying off at least three debt accounts owned by LVNV Funding. However, when I inquired if any of payments that LVNV Funding received from me was applied to any of the debts that are currently in dispute, LVNV Funding refused to provide any answers to my inquiry because the supervisor that I was speaking to stated that although the debts are currently being reported on my credit report as collections, they can not provide me any information regarding the debts because there is a cease and desist on all active debt accounts that LVNV Funding currently owns that belongs to me. I do not want any funds that I paid on accounts that I claimed responsibility for applied to any debts that I dispute. In addition to that, even after I notified this debt collector that I dispute the debt, they continued their collection efforts that included making phone calls to me prior to XXXX my local time! I believe the acts of LVNV Funding constitute violations of the Fair Debt Collection Practices Act. I feel that LVNV Funding continuously violates my rights as a consumer by their unfair business practices.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

I had my credit card in my wallet. I logged into my Barclays app and see pending charges from.XXXX  XXXX  on XXXX XXXX and XXXX XXXX XXXX  XXXX  a hookah store I am XXXX and never smoke for XXXX XX/XX/year> XXXX XXXX XX/XX/year> {$200.00} XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX Barclays remove the charges and land an investigation. Today all money was charged to my card and I contacted the company. Barclays informed me they did an investigation and the charges found valid because a cars was used. I am very shocked because I never been to any of theses locations and never made the purchases.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-21
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. (SC)

I checked my credit report noticing that all 3 bureaus have violated my rights according to the FCRA. All information reporting must be valid, not outdated, and accurate. The names on my credit report attached to alleged delinquent accounts are not me. I have not provided a wet signature nor have I given consent for any creditor listed to furnish an account in my name. XXXX XXXX XXXX
Consumer complaint received 2024-09-14
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: Possible Financial Inc (CA)

POSSIBLE FINANCE ACCT # XXXX BALANCE {$58.00} ACCORDING TO THE IRS THIS ACCOUNT IS CHARGE OFF WHICH IS NOW CONSIDERED INCOME AND ACCORDING TO THE CREDIT BUREAUS INCOME CAN NOT BE REPORTED ON YOUR CONSUMER REPORT
Consumer complaint received 2024-09-14
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX According to the law 15 US code 1692c, it states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Types of communication : Report to credit bureau Letters in the mail
Consumer complaint received 2024-10-15
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: EQUIFAX, INC. (OH)

Unauthorized inquiries XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EQUIFAX : XXXX XXXX XX/XX/year> My information may have been impacted by the Equifax, XXXX and XXXX Data Breach and may have got into the hands of the wrong person
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MO)

The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 

{$300.00} Open balance LVNV FUNDING LLC Original creditor XXXX Opened XX/XX/year> ( 2 yrs, 4 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name LVNV FUNDING LLC
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-09-20
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (NJ)

Since XX/XX/XXXX, SunRise debt collectors have been calling me repeatedly, claiming I owe them {$150.00}. When I initially received their call, I asked who the debt was owed to, and they informed me it was with XXXX. I immediately contacted XXXX to verify, and they confirmed that I dont owe anything. Despite this, SunRise continued to harass me with calls until XX/XX/XXXX, when I noticed a drop in my credit report related to the debt and ended up paying it. Today, I checked online to verify if SunRise is a legitimate company, and most reviews suggest it might be a scam. I would like to confirm the authenticity of this company and ensure my identity and credit card information are secure.
Consumer complaint received 2024-09-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (WI)

I have difficulty making payments because Im on XXXX and when I do make a payment, it seems that its never added and the loan amounts continue to go up instead of down. I cant take the stress that they are giving me with the constant phone calls and emails. I have XXXX so its hard enough for me as it is. Im a single mom. Please help me!!