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 — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX, TX XXXX To : Lvnv Funding LLC XXXX XXXX XXXX XXXX SC XXXX Date : XX/XX/year> To Whom it XXXX Concern : This letter is sent in response to a notice delivered to me on XX/XX/year> regarding account LAST XXXX # XXXX Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested.

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section.

I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-06
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: AMERICAN EXPRESS COMPANY (SC)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-09-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC (OH)

To whom it may concern : I am writing to formally request the refund of my earnest deposit of {$500.00} that {$100.00} of it was withheld after I decided not to proceed with the mortgage loan process through Rocket Mortgage. 

The experience with the LO was highly unprofessional and him trying to coerce out of a better contract to line his pockets better is atrocious. I had to have family who work in the real estate industry to advise me, if I did not know this I would've been taken advantage of. 

Upon reviewing the terms of our agreement, I find no specific provision that authorizes Rocket Mortgage to retain part of my deposit. The agreement vaguely states that the deposit may or may not be refundable depending on the status of your loan. However, no appraisal or credit report had been completed, and no other substantive services were provided at the time I withdrew from the process. 

Given this lack of clarity and service, I am requesting a full refund of my deposit. Please provide a detailed explanation, in writing, for why the deposit was withheld and on what grounds Rocket Mortgage believes it is entitled to retain these funds. 

I chose a better mortgage option with that better aligns with my financial situation better sets me up for the future. 

Thank you for your attention to this matter. I look forward to your reply.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (NC)

Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' XXXX, XXXX, and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " Congress 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' Carmax Auto Finance ( CAF ) qualifies as a financial institution under this section.

According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' Carmax Auto Finance the financial institution and XXXX, XXXX, and XXXX do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked.

Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' Carmax Auto finance, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful.

15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' XXXX, XXXX, and XXXX are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.
Consumer complaint received 2024-09-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (PA)

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.as they are Fraudulent account. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with yo. certified mail.
Consumer complaint received 2023-10-10
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

In accordance with the fair credit reporting act this creditor has violated my rights. 

under 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 an account without my written instructions.

under 15 USCS 1666b : a credit may not treat a payment on a credit card account under an open end consumer credit card plan as late for and purpose.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CA)

On XX/XX/year> I sent several dispute letters to all XXXX credit bureaus ( XXXX, XXXX, XXXX ) in regards to multiple fraudulent accounts negatively affecting my credit ( XXXX XXXX XXXXXXXX XXXX, US Bank, XXXX  ) that were a result of identity theft due to a data breach and they did not remove the accounts. According to the FCRA code 1681 15 USC The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-12
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: CITIBANK, N.A. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Laws Dear CBNA, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX state law concerning identity theft and consumer protection.

It has come to my attention that CBNA has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, under Missouri law, specifically XXXX of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for CBNA to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that CBNA immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including XXXX regarding identity theft. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that CBNA will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (IL)

I am writing to dispute the unauthorized furnishing of my personal credit information by your CREDIT BUREAU. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 7th letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this CREDIT BUREAU is violating my consumer rights and not protecting me as an American Consumer according to the stated laws. This is my 7th notice to this BUREAU notifying you guys that these listed accounts were opened fraudulently. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. Ive started legal litigation and will be suing this CREDIT BUREAU ; this company did not honor my rights or acknowledge my supporting documents regarding identity theft. These accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, I am suing for my rights being violated, pain and suffering, false allegations from this CREDIT BUREAU, and assisting to furnish a wrong, and fraudulent accounts. I demanded these accounts be removed, and my legal rights, and laws be honored, and this CREDIT BUREAU DIDNT HONOR MY CONSUMER RIGHTS. THIS ACT IS PUNISHABLE BY LAW BECAUSE THIS CREDIT BUREAR IS ADDING AND ASSISTING IN AGGRAVATED IDENTITY THEFT. 


THESE PEOPLE CREATED FAKE DOCUMENTS TO OPEN AND OBTAIN CREDIT CARDS, LOANS AND LEASES IN MY NAME. THESE INDIVIDUALS OBTAINED MY INFORMATION FROM MY ENTIRE WALLET BEING STOLEN, EVER SINCE THEN THESE CRIMINALS HAVE BEEN USING MY IDENTITY INFOROMATION TO OPEN UP CREDIT CARD ACCOUNTS AND CAR LOAN ACCOUNTS. 
My identity has been stolen and compromised ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (NY)

I have a chime bank credit builder card, it is being reported as having a balance to the credit bureaus. The only money on that account is money I put there. This made my credit score take a XXXX point drop out of nowhere completely blindsiding me while trying to make a vehicle purchase. This information is incorrect and has cost me hours of my time and many more of frustration and stress. This incorrect reporting, especially on something advertised as a safe way to help build credit scores, is a violation of my rights under the Fair Credit Reporting Act and it needs to be fixed now. Now I have to wait up to 30 days for it to be fixed as I filed a dispute with XXXX earlier this evening. Their customer service shuffled me around from person to person before asking to file a dispute, which I was then not able to do on their website due to a nondescript error and was recommended I mail or try by phone in this technological age its hard not to feel brushed aside while the credit bureaus play with my life like puppeteers. I asked myself what can I even do? The new American dream work your life away while we assign arbitrary numbers intended to keep the poor people poor making it impossible to get financing for lifes basic needs that are ridiculously overpriced to start with. Throwing on XXXX % on borderline predatory loans and credit cards taking advantage of people who have no other options. I am disgusted and theres no where to turn. Its just sad, this isnt the XXXX my grandfather fought for.
Consumer complaint received 2024-08-13
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. (NJ)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (CA)

I am writing to formally express my concern regarding two phone calls and one voicemail I received from a representative named XXXX, who is acting on behalf of Bread Rewards. On XX/XX/XXXX no message was left and XXXX, XXXX left message requesting that I provide her with my attorneys contact information. She indicated on the voicemails that if I did not have legal representation, she strongly recommended that I obtain one to discuss the matter involving Bread Rewards. 

The tone and content of these messages have left me feeling that legal action is being implied or threatened, which has caused me significant distress. I would appreciate it if you could address this matter, as I believe these communications may not align with fair debt collection practices. 

Please advise on the next steps or provide clarification on the intent behind these voicemails.
Consumer complaint received 2024-10-09
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. (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 2024-09-07
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: Nelnet, Inc. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date opened : XX/XX/XXXX Date Paid and Closed : XX/XX/XXXX Original Debt amount : {$2000.00} Current Balance : {$3800.00} Paid by Total XXXX Discharge Loan Type : STUDENT LOAN I have reached out the the company several times about having the account removed and marked as paid and closed. I have reached out to transition about having the account marked as paid and closed! 
I keep getting nothing done about it. This is affecting my credit score as I am trying to buy a house! 
Please help me get this situation fixed!
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (TX)

I hope this message finds you well. I am writing to address an issue regarding the sign-up bonus for my XXXX XXXX XXXX  XXXX credit card account in XXXX at US BANK XXXX I recently completed the required spending to qualify for the XXXX mile bonus offer, but I have yet to receive the miles in my XXXX XXXX XXXX account. 

Here are the details of my account and the promotion : Name : XXXX XXXX XXXX XXXX Details : XXXX miles sign-up bonus after spending {$5000.00} Date of Account Opening : XX/XX/year> Statement Date of Spend Requirement Fulfillment : XX/XX/year> I would appreciate it if you could look into this matter and assist me in ensuring that the bonus miles are credited to my account. If there are any additional details or documentation needed from my end, please let me know. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Best regards, XXXX XXXX ( XXXX ) XXXX XXXX XXXX