davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am writing to formally complain about and dispute the accounts that LVNV Funding LLC has reported to my consumer report. These accounts are the result of identity theft and should be immediately removed from my credit report. 
I have recently discovered that I am a victim of identity theft. The accounts you are reporting under my name were fraudulently opened by someone else using my personal information without my knowledge or consent. 
To support my claim, I am enclosing the following documents : An Identity Theft Affidavit A copy of the police report filed regarding this identity theft I am aware of my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), and I will not hesitate to exercise them if this matter is not resolved promptly and satisfactorily.
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

My total mortgage payment was very reasonable since I am retired and XXXX income. Recently I received a new statement with the intent to raise my mortgage payments by XXXX percent. I do understand it's because of escrow shortages but my problem with this raise is that someone was not monitoring the account and insurance/taxes to let it get XXXX dollars negative. Now I have to make up this shortage surprise because the increases were not caught Early enough. A XXXX percent increase a month is departmental to my monthly fiance. Should have been caught earlier with smaller increase for escrow.
Consumer complaint received 2024-09-13
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc (MT)

Williams and Fudge did not make me aware that debt from XXXX XXXX XXXX was apparently transferred to them in XX/XX/year>. Williams and Fudge has been contacting me twice daily on a number used for work at XXXX and XXXX XXXX, causing a disruption to my day. I have already let them know that I am disrupting the debt and to cease contacting me. XXXX XXXX XXXX additionally will not allow me to pay down the debt independent of Williams and Fudge.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

XXXX XX/XX/year>2024 i received a copy of my credit report and i noticed that a few accounts that are reporting wrong.Are you familiar with something called 15 U.S.C.SEC.1681I ( a )? if you can't provide me with proof these accounts must be deleted.ALSO 15 U.S.C.1681S-2 ( A ) ( 1 ) ( E ) ( iii ) XXXX XXXX XXXX XXXX XXXX, this loan has completed the rehabilitation process.This are the following accounts ( Account name ) XXXX  XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX account open ( Account name ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX and XXXX account open
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (CA)

I keep being asked to upload information about my loan discharge and every time i do upload it, they keep saying they do not see it or receive it. I originally have XXXX as my servicer but as soon as the loan discharge was approved, they sold my account to Aidvantage and now Aidvantage does not know anything.
Consumer complaint received 2024-10-17
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. (LA)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-24
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. (FL)

I have been a victim of identity theft, which has resulted in several unauthorized items appearing on my credit report. These include XXXX accounts and XXXX inquiries that I neither authorized nor initiated. These entries were added without my knowledge or consent. 

ACCOUNTS - XXXX XXXX - XXXX XXXX XXXXXXXX INQUIRIES- XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX I have already reported this identity theft to the Federal Trade Commission ( FTC ). I am requesting the prompt removal of these fraudulent accounts and inquiries from my credit report to ensure its accuracy.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear XXXX XXXX, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX USC XXXX ( XXXX ). 
Under Section XXXX XXXX XXXX ( XXXX ), credit reporting agencies are obligated to provide a description of the investigation within XXXX  days of receiving a consumer 's dispute. 
XXXX. [ XXXX XXXX XXXX Account # XXXX, ] : Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX. [ XXXX Account # XXXX ] : Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX. [ XXXX XXXX Account # XXXX ] : Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 

Here I am sending proof that you supposedly did an investigation, you also say that all accounts were verified, yes all accounts were verified. There must be a record of the method that was used to verify that the disputed information is accurate and has Authorization. I want all the proof as required by law.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc. (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXXXXXX XXXX XXXX XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (AL)

LVNV funding has illegally reported an alleged debt to my consumer profile. They sent notices which I responded within the proper 30-day window requesting them to send back to the original creditor due to numerous debt collection agencies seeking on this alleged debt. Instead, LVNV reported the debt anyways to the credit reporting agencies. Immediate removal of all reporting to the credit reporting agencies as the debt was not sent back to the original including responding to the alleged debt in the 30-day window which you do not legally have the right to report anything on my consumer profile. These are both FCRA 623 ( a ) violations and FDCPA Violations if you continue to do so.
Consumer complaint received 2024-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (TX)

The ambulance service never informed me of the amount that I would have to owe when using their services. I had insurnance at the time which I figured covered, but now it shows that I owe {$900.00} and {$3300.00} to XXXX XXXX XXXX. I was never given a bill to pay this expense off or a chance to dispute the charges. I would not have used the services if that was the case. Now the amounts have gone to collections and hurting my credit score.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Fidem Baltimore Holdings LLC (PA)

There's an ignite card in my credit report. I disputed it two times and had it investigated. I called the company and they refused to talk to me about the account as it wasn't mine, yet said they couldn't remove it off MY credit report??? It's insane. It's not mine, this is the second time this has happened. It needs removed and ignite should have better policies in place. As well as XXXX
Consumer complaint received 2024-09-26
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. (SC)

Called Experian on XX/XX/XXXX to have all dispute comments removed from the XXXX accounts. Due to a request from my mortgage lender. I was informed that the process had been completed and I would see the results in XXXX hours. 

I checked my credit report again XX/XX/XXXX. The dispute remarks were not removed. So I called back on XX/XX/XXXX. Went through the process again to have the dispute remarks removed. Again I was told that it would be reflected in XXXX hours. 

I pulled my credit again XX/XX/XXXX and it still was not corrected. I called back on XX/XX/XXXX. They claim that it has been resolved, but can not provide me with documented proof that it is completed. 
after having my call transferred in excess of XXXX different times, and asking to speak to supervisors, I was put onto a line with someone that ended up never speaking and felt like I was on a blank line with nobody present. I sat there for over XXXX minutes without ever being acknowledged again.
Consumer complaint received 2024-08-25
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. (WY)

In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15u.s.c1681 grain acount # XXXX XXXX XXXX acount # XXXX XXXX XXXX acount # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX acount # XXXX XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXXXXXX XXXX account XXXX XXXX, has violated my federally protected rights.i looked at my equifax credit report on XX/XX/year> and noticed some things are incomplete and inaccurate.and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.according to 15usc1681 ( e ) ( b ) and according to15usc1681 i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly notify the furnisher of the information has been modified or deleted from the file of the consumer. And according to15usc1681 s-2 they are supposed to 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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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.
Consumer complaint received 2024-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Revolution Financial Inc. (CA)

I've been a victim of fraud on my Revolut bank account. On XXXX transactions within XXXX min, the scammer emptied my bank account for a total amount of XXXX XXXX The transaction took place in XXXX apparently, while I was in XXXX XXXX ( and can prove it ). 

Revolut refused my claim, saying " Hereby, I would like to mention the Clause 22 of our Terms and Conditions : We won't refund any money if you've acted fraudulently, or you intentionally or carelessly failed to keep your security details or Revolut Card safe ( unless you told us about this before the payment was taken from your account ). For example, we wouldnt make a refund if you gave someone your Revolut Card PIN, and they made a payment using your card without you knowing about it. 

In addition, it is worth mentioning that to keep your account and money safe, we have some information provided in Clause XXXX of mentioned Terms and Conditions. '' I have never give any bank information to anyone, as I said multiple time. I have done nothing, I do have my physical card with me, and never shared any info. 

They refuse to give me my money back, while I can prove I did not do the transaction, and sent the Police and the XXXX police report to them as proof of the fraud. 

My card is a XXXX, and they say that they apply XXXX 's policy regarding the fraud. However, that's the XXXX policy : XXXX Card Policy that you broke : " XXXX 's XXXX Liability Policy* is our guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your XXXX credit or debit card is lost, stolen or fraudulently used, online or offline. 
* XXXX XXXX XXXX XXXX does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by XXXX. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.Regarding the security of your bank, here are a snippet of reviews and articles and big medias proving that there is a lot of fraud going on in your bank, and that you are a fraud as well since you never refund the money people lose by the lack of security you have. ". 

As you can see on the screenshots, there are multiple articles, press release and reviews of people having the same issue and scam with Revolut. XXXX of dollars disappear from their account within XXXX, the bank don't block any of those transactions, and then refuse to give the money back to the victims, hiding behind a blurry policy that goes against the rights and law protecting the victim.
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (NY)

I received a collection notice from Monarch Recovery Management , Inc. on XX/XX/21, claiming debt owed on an old XXXX  checking account of mine in the amount of {$3900.00} and for a settlement amount of {$790.00}. Upon looking into this further by speaking with XXXX, I was informed that there was a lump sum transferred to this account that I have no knowledge of. I next made action to obtain the proper debt validation from Monarch Recovery by sending a Credit Validation letter by Registered Mail on XX/XX/21. I have signed receipt of mail on XX/XX/21, however, Monarch failed to return the validation information to me within the allotted 30 days. It should also be mentioned that upon looking into other consumer 's experience with Monarch, there are anecdotal reports of other consumers receiving fraudulent debt claims from Monarch.

Please let me know if I may provide any additional information. 

Thank you! 
XXXX XXXX