davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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. (MI)

This account that LVNV Funding alleges was already removed from my credit report, I do not have any contract with them no have they had any correspondence with LVNV Funding, please removed this Item immediately as I have went through the proper channels to have erroneous account removed from my credit report, below are attachment showing it has been deleted first from XXXX in XXXX and later from XXXX and XXXX, thank you for resolving this matter quickly as it is detrimental to credit fairness and accuracy as well as my credit well being
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (SC)

Debt Validation Request for Account Number [ XXXX ] Dear [ LVNV FUNDING LLC ], I am writing to formally request validation of the alleged debt referenced above pursuant to both the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S. Code 6802 ( Gramm-Leach-Bliley Act ), which governs the disclosure of nonpublic personal information. 

In accordance with these laws, I am requesting that you provide the following : 1. Full validation of the debt, including a complete accounting of the alleged amount owed, interest, and fees.

2. The name and address of the original creditor, and a copy of any contracts or agreements that demonstrate my obligation to pay this debt.

3. Proof of your authorization to collect this debt in my state, including your debt collection license.

4. Evidence that you have complied with 15 U.S. Code 6802, specifically by obtaining my consent or any legal grounds for sharing my nonpublic personal information with third parties, such as credit reporting agencies. 

Until you provide the requested information and documentation, I demand that you immediately cease all collection efforts and remove any negative reports you have submitted to the credit bureaus ( XXXX, XXXX, and XXXX ). Please note that unauthorized disclosure of my nonpublic personal information under 15 U.S. Code 6802 is illegal and subject to penalties, and I reserve the right to pursue legal action if necessary. 

If you are unable to validate this debt, I request that you promptly delete any related negative information from my credit report, as continuing to report unverifiable or inaccurate information violates both state and federal laws. 

Please send all responses to the address listed above within 30 days of receiving this letter.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

According to the promotional offer Citi posted on their website, I got the Citi AAdvantage XXXX Card. Based on the promotional offer and my discussions with Citi employees, I spent {$10000.00} within the first 3 months ( I already made payments of {$10000.00} ). However, Citi stated that it was a generic online promotional offer for which you were not directly solicited. Therefore, they are not going to give me the XXXX miles stated in their generic online promotional offer. 

Furthermore, in Citi 's XXXX letter, it stated " XXXX XXXX has confirmed that you received XXXX XXXX XXXX AAdvantage bonus miles posted to your XXXX XXXX AAdvantage account on XX/XX/year>. 

Q1 : What is the purpose ( intend ) to have the generic online promotional offer on their website?

Q2 : is it legal to have a fake promotional offer on their website?

Q3 : Per this fake promotional offer, I paid {$590.00} for Citi AAdvantage XXXX Card instead of {$95.00} for CITI XXXX XXXX CREDIT CARD. 

Q4 : XXXX miles have not posted to my XXXX XXXX AAdvantage account
Consumer complaint received 2024-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Collectors Corp. (WI)

From XX/XX/XXXX to XX/XX/XXXX I was XXXX. From XX/XX/XXXX to XX/XX/XXXX I was on XXXX XXXX. The dates of the bills in question I was XXXX  for, and there is NO WAY it was me attending these appointments! I've tried disputing this XXXX different times and they refuse to remove the {$4000.00} from my credit report. XXXX  XXXX as well as the original creditor, XXXX XXXX are BOTH aware of my XXXX, yet refuse to remove it. This bill is affecting me getting a loan for a car, and ruining my credit. I feel as if I should not be responsible for a debt incurred while I was in XXXX  and couldn't have been at the doctor, as you're not allowed to leave a XXXX. I am currently working with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  to get records of my XXXX.
Consumer complaint received 2024-09-11
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: CL Holdings LLC (IN)

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
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

Spoken to representative on XXXX24. I  notified agent that their reporting of my account is wrong on all 3 credit bureaus. It states my account is closed which is incorrect. States wrong last payment. Account status states repossession which is the wrong account status. I still have the vehicle in my front yard due to I paid the reinstatement fees and the account was brought to current and have also made a regular payment on the account .so the reported balance is wrong. This has substantially lowered my credit profile more than it should be the company 's false reporting.
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Thaxton Investment Corporation (TN)

Covington Credit located in XXXX, Tennessee. I paid the loan off in full over a year ago and they are reporting to the credit bureau, that my payments are late. I no longer have a loan or account with this company, so l would like for them to stop reporting to the credit bureau inaccurate information.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (SC)

I have updated information for the complaint with EXPERIAN. I have attached a screenshot of EXPERIAN stating that they are not able to provide me access to my consumer report electronically. Pursuant to the Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ) and 15 USC 1681h ( b ) ( 1 ) ( B ) ( i ) I have a right to receive my consumer report according to my specified written instructions. I have specified in writing to EXPERIAN to provide me access to my consumer report electronically. By denying me access to my consumer report electronically it violates my right to receive my consumer report the best way for me. I am requesting a direct electronic link from EXPERIAN to receive my consumer report electronically. Thank you.
Consumer complaint received 2022-12-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NY)

I have sent a validation of debt from Calvary SPV 1 LLC on XXXX citing U.S.C. 1692g Section 809 which requests the following The amount of the debt ; The name of the creditor to whom the debt is owed ; Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the

30-day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information. If, within the 30-day period, the consumer disputes in writing any portion of the debt or reque
sts the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable. 
Futhermore, they reported a new collections balance on XX/XX/ to XXXX, XXXX and XXXX. 

I received a response from them dated XX/XX/XXXX that they do not have this account in this possesion and it has been placed with a law firm which I have not bee contacted by nor have any information. Calvary SPV has said they can not investigate without specific information, which I am not sure what they are referencing. 

Futhermore they have been reporting a new collections balance every month which has been affecting my credit score but have not provided validity that I owe them this debt or signed a contract with them stating so. 

Reported on XX/XX/ by Your total collections balance went up Total collections balance {$2100.00} You'll see this change reflected in your account when your credit profile is updated in30 days. 

Reported on XX/XX/ by Your total collections balance went up Total collections balance {$2100.00} You'll see this change reflected in your account when your credit profile is updated in30 days. 
Reported on XX/XX/ by Your account is 30 days or more past due Account Cavalry Portfolio Servic Account number XXXX Amount past due {$2100.00} Status Collection/Chargeoff Type Other Collection Agencies Creditor Address XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Ct, XXXX See attached letter received from Calvary SPV XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Public information being shared without my permission. 

This information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681b, there are strict guidelines regarding the permissible purposes for which a credit report can be accessed, ensuring that only entities with a legitimate need may review this sensitive information. Furthermore, 15 U.S.C. 1681 ( a ) ( 4 ) upholds my right to privacy, recognizing that consumer reports must only include accurate and necessary information, protecting individuals from undue harm or disclosure. Additionally, under 15 U.S.C. 1681c-2, there is a provision that mandates the blocking of information that is inaccurate, outdated, or otherwise incorrect in a consumer report. Given these statutory protections, I respectfully request that this erroneous bankruptcy information be investigated and removed from my credit report promptly. Thank you for your attention to this matter.
Consumer complaint received 2024-08-13
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. (WA)

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 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (NJ)

Re : Final Notice of Noncompliance Unauthorized Consumer Reporting, Willful Neglect, and Demand for Removal of Inaccurate Tradeline Information To Whom It May Concern : This notice is concerning the ongoing matter of your company 's willful neglect and continued noncompliance regarding the unauthorized and inaccurate reporting of my private source data to consumer reporting agencies. Despite repeated notifications and opportunities to rectify this situation, your company has failed to remedy the inaccuracy and incompleteness of the information in question. Further, your actions lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), resulting in significant and continuous harm, including defamation, breach of privacy, and financial injury. 

To date, all administrative remedies have been exhausted, and your company 's failure to respond appropriately leaves me with no option but to pursue alternative measures. 

Accordingly, if the inaccurate tradeline and unauthorized information are not promptly removed from my consumer report within fifteen ( 15 ) days from the date of this notice, I will proceed as follows : Filing of IRS Form 1099-C : I will initiate the process of filing a Form 1099-C with the Internal Revenue Service ( IRS ) , requesting a discharge of any alleged debt related to the unauthorized tradeline reporting, as such debt, if any, is invalid and has caused me undue harm.

IRS Audit Request : I will also submit a demand for an audit of the relevant account to the IRS to determine the legitimacy of your company 's actions and compliance with federal regulations concerning the handling of consumer data and permissible reporting practices.

Filing of IRS Form 3949-A : A formal IRS Form 3949-A ( Information Referral ) will be submitted, highlighting potential tax law violations by your company in relation to the unauthorized use and dissemination of private source data without a permissible purpose, unjustly enriching your company at my expense. This filing will include an attached fee schedule for each documented violation. 

I remain prepared to take all necessary steps to protect my rights, including pursuing legal action for damages resulting from your continued failure to comply with applicable laws. Should I not receive immediate confirmation of the removal of the inaccurate tradeline and related information, I will proceed accordingly without further notice. 

Please consider this your final opportunity to correct this issue and avoid the aforementioned actions.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MD)

I am submitting this complaint regarding late payments reported on my credit record. Upon examining my credit report, I discovered these late payment entries. I sent correspondence about this issue more than 30 days ago, but have not received any response, nor has adequate validation been provided. I am seeking your immediate assistance in resolving this matter.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Media Collections, Inc (IL)

I believe my I believe my identity have been compromise leading to several a credit report that Im not familiar with. I have requested information from these companies from various amounts ranges from $ XXXX {$600.00}. I want even {$4000.00}. Neither get back with me.
Consumer complaint received 2024-09-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners (PA)

I had a called with Pendrick Capital Partners on XXXX to see how many said supposed accounts they have on me. They told me I had one with a company named XXXX XXXX XXXX they told me they were working so I was transferred over. I then spoke with XXXX. He told me I one bill with XXXX for a total of XXXXXXXX XXXX on a past bill on XX/XX/year> I have the actual documentation with XXXX. There is no single outstanding bill of XXXXXXXX XXXX  what ended up happening was the two bills got combined onto a single amount by the collection agency. They did not provide a correct detailed breakdown of said bill as well. In conclusion Pendrick Capital Partners has again violated my rights with the FDCPA By not correctly, verifying the bill when the bill is clearly shown as two different separate charges with XXXX and they also had another agency handling this and they didnt verify it as well. This is Misleading representation. This is very concerning, and a mishandling of information.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (LA)

XX/XX/24 I discovered two credit cards on my credit report that were opened without my knowledge. One card is a Barclays credit card where I am the primary owner and the other is a credit card through XXXX XXXX with my name and spouses name. When I called to inquire about both accounts, I assumed my spouse added me as an authorized user until the customer service rep told me that I was not an auth user but primary and only on the Barclays account. I did not open the account so I requested to be transferred to the Fraud Dept where it has not been closed for suspicious activity. I reported both as spousal identity theft to the credit bureaus and was told to file a complaint here. Both are currently pending investigation for fraud. A complaint was filed to XXXX XXXX XXXX 's office with XXXX XXXX XXXX, badge number XXXX the filing date was XX/XX/24 case # XXXX
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (PA)

Hi, I was with XXXX XXXX for many years but then navient. 
Navient handle my loan for years and in the time frame forced me into forbearances and not letting me be in income driven plans. They would also do things over the phone and tell me what a payment would be then I would go to make that payment a month later and it would be double what they stated. When I would call to ask why it changed they would skate around an answer and tell me I would have to go into another forbearance. 
This was probably XXXX  to XXXX. 
Then when they did get into trouble by certain states, my loan got sold. 
I wasn't eligible for any compensation of their lawsuit because I didn't go to a private school. I'm not sure what a private school has to do with that fact a loan company ripped me off for years. I alway thought what they were doing was wrong but I had no control over anything. 
My loans are now in the XXXX program which does seem more feasible. 
But now my loan amount is over XXXX when I only had XXXX in loans due to navients mistreatment of things. 
I just wanted to inquire about if students mislead and abused by this company, if we will be included in any type of loan forgiveness. 
Thanks
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (IN)

I got this loan because I couldn't get utility assistance and my water was off. This is why I didn't investigate this loan better. I was told what the 1st four payments would be and the pay off amount. I assumed that since my loan was for {$770.00} and the pay-off amount was under {$900.00} that the payments of around {$97.00} a week would decrease. I found out that the pay-off only applied if I could pay it in a week. I added up the payments and realized I would be paying 300 % interest on this loan. When I called I was told their loans tend to have ever 600 % interest. At what point is this illegal?
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Nelnet, Inc. (PA)

I am formally requesting the discharge of all private loans associated with school misconduct at The XXXX XXXX XXXX  XXXX. I have been approved for Borrower Defense to Repayment ( BDTR ) for this institution due to a group discharge resulting from federal action against the school. The total amount of my private loans is approximately {$20000.00}.
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (VT)

I have a private student loan from XXXX XXXX XXXX serviced by XXXX XXXXXXXX XXXX. Every time a payment fails, I am charged a fee of about {$30.00}. This has at times been an issue on their end and their customer support is not generally helpful. 

Furthermore, their notification process is slow and requires me to log into a website that barely functions, often leading to additional late fees. Altogether, it feels like a predatory scheme to extract even more money from borrowers.