davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Against LVNV Funding LLC/Resurgent Capital Services L.P . 

Dear CFPB, I am writing to file a formal complaint against LVNV Funding LLC/Resurgent Capital Services L.P. , a collection agency that has violated my consumer rights under multiple federal regulations. 

Nature of the Complaint : Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation information regarding the debt. Despite this requirement, LVNV Funding LLC/Resurgent Capital Services L.P. has placed a collection on my consumer report without providing the necessary validation information. 

Lack of Opportunity to Dispute : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I should have been given the chance to dispute the account. However, this collection agency did not provide me with such an opportunity, thereby violating my rights as a consumer. 

Use of False, Misleading, and Deceptive Means : The collection agency is in violation of consumer protection laws by using false, misleading, misrepresentation, and deceptive means to collect the debt. 

Unauthorized Furnishing of Information : LVNV Funding LLC/Resurgent Capital Services L.P. has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I dispute owing any and all debts to LVNV Funding LLC/Resurgent Capital Services L.P . Furthermore, I revoke all rights for them to communicate with me through email, text, or calls. I request the following actions : Debt Validation : Provide complete validation of the debt.

Purchase Agreement : Furnish the purchase agreement between them and the original creditor.

Proof of Licensing and Bonding : Provide proof that they are licensed and bonded to operate as a collection agency.

Additionally, I request LVNV Funding LLC/Resurgent Capital Services L.P. to swear under penalty of perjury that they were present during the alleged debt. Reporting information that they know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act ( FCRA ).

They have 15 days from the date of this letter to respond with all items requested. Failure to provide a sufficient validation response within this period will necessitate the immediate removal of this item from my credit report, or I will seek litigation for monetary damages along with the violations they have already committed.

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

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (PA)

There was a billing error on DISCOVER BANK XXXX Balance : {$10000.00} Date opened : XX/XX/year> which caused an incorrect late payment report. I had already paid the bill, but the payment was not correctly applied due to a processing error.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

There was a billing error on CAPITAL ONE AUTO FINANC XXXX Balance : {$9300.00} Date Opened : XX/XX/year> which caused an incorrect late payment report. I had already paid the bill, but the payment was not correctly applied due to a processing error.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists of, XXXX XXXX XXXX, JEFFERSON CAPITAL systems, XXXX XXXX XXXX XXXX, XXXX XXXX. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXEFFERSON CAPITAL SYSTEM has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 ) ( XXXX ) 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 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (NJ)

I have unauthorized accounts on my report I do not recognize So far none of them has been able to provide such proof to me. I have sent follow- up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items XXXX not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization. 
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
Consumer complaint received 2024-07-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

What happened? 

I am writing to file a complaint regarding fraudulent transactions on my credit card. The details of the issue are as follows : Fraudulent Transactions : Dates : XX/XX/XXXX and XXXX, XXXX  Amounts and Locations : XXXX time of transactions of {$20.00} each at a car wash in a city I have never visited. 
Additional transactions of {$76.00} and {$17.00} at a gas station and XXXX XXXX in a district I have never been to. 
Actions Taken : Work Schedule : On XX/XX/XXXX and XXXX, I was working from XXXX XXXX  to XXXX XXXX  at home in XXXX, ZIP code XXXX. This can be confirmed by my XXXX. Given my work schedule and location, I was unable to make these transactions. 

Additional Observations : Transaction Pattern : My transaction history with Bank of America shows that I have never used my credit card for in-store purchases. It is unusual for me to suddenly have multiple transactions in a city and locations where I have never been, especially considering the small and repetitive amounts involved. 

I request that the Consumer Financial Protection Bureau assist in resolving this matter and ensure that the fraudulent transactions are properly investigated and addressed by the credit card issuer. 

I have disputed those claim of in total {$250.00}. But boa claimed that " XXXX, were unable to approve your recent claim. 
Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : The merchant provided documentation confirming you received the merchandise or service. " Claim number : XXXX Amount : {$250.00}
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

I am filing this complaint against LVNV Funding/Resurgent Capital Services due to their repeated and illegal actions concerning two open collections accounts on my credit report, one from XXXX and another from XXXX. Despite numerous attempts to resolve this issue, including providing an FTC identity theft report, these accounts remain in collections, and the company continues to report and update them incorrectly. 

Issues and Violations Misrepresentation and Deceptive Practices : LVNV Funding/Resurgent has frequently changed or updated the name associated with these accounts on my credit report, which violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( B ), which prohibits furnishing information relating to a consumer if the furnisher knows or has reasonable cause to believe the information is inaccurate.

Failure to Provide Verification and Rude Conduct : When contacting their customer service, including supervisors, I have faced rude, unprofessional behavior and blatant misrepresentation, including instances where employees have pretended to be supervisors. This violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 10 ), which prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt.

Failure to Cease Reporting on Disputed Debt : Despite being notified of the dispute and the fraudulent nature of these accounts, LVNV Funding/Resurgent has failed to cease collection activities and continues to report the debt, contravening the FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation of disputed information. 

Invasion of Privacy and Harassment : The company 's repeated requests for my personal information during calls, despite the known dispute and fraud status, have made me extremely uncomfortable. This could potentially violate FDCPA 15 U.S.C. 1692d, which prohibits conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Consumer complaint received 2023-10-01
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. (IL)

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 2024-07-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HireRight Solutions, Inc. (TN)

I am a survivor of trafficking and have provided HireRight XXXX XXXX with the necessary documentation, as required by law, to block certain information from my consumer report. Specifically, I submitted the following documents Victim Determination Letter, The Final Rule, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Proof of Identification on XX/XX/year>. Despite my compliance with all legal requirements and my repeated requests, HireRight XXXX XXXX has failed to block the information in my consumer report. This failure is a direct violation of the following statutes.XXXX  Victims Protection Act ( TVPA ), XXXX XXXX Code XXXX, XXXX CFR Part XXXX ( Regulation V ), 15 U.S. Code 1681n. HireRight Holdings Corporation responded on 07/29/2024 claiming my documentation doesn't meet standards which is willful non compliance because these same documents been used to block information with other reporting agencies so the responded without blocking information with the 4 days allowed. I followed up with an Intent To Sue Letter on XX/XX/year>
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY ()

I called on XX/XX/XXXX, to express a security concern regarding an interaction that I had with an American Express process. I then advised that It will make me feel safe if my card was replaced and with expedited shipping. I was promised that it will be done. On XX/XX/XXXX, I was notified via email that the card is shipped using XXXX XXXX regular shipping service. That does not define express shipping. I expressed my concern numerous times to agents on the phone and supervisors. None wanted to help me. Instead of complying with my request and expedite a shipment of a replacement card to me, I was cited policy and procedure every time I spoke to somebody else. I also received an email replying to my inquiry which was escalated informing me that a replacement card if needed faster, the one being shipped could be expedited or cancelled and a new one shipped using faster shipping. Since XX/XX/XXXX, it is now XX/XX/XXXX and I still don't have a replacement card shipped. I had to apply for a new card with another credit card provider in order to pay my bills and renew my subscriptions. American Express chose to escalate my issue to level 2 and waste my time instead of help me.
Consumer complaint received 2024-07-29
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

On XX/XX/year>, I received a collection notice from Columbia Debt Recovery LLC, dba Genesis via email ( see attached email ). On XX/XX/year>, I sent a debt validation notice to Genesis via email ( see attached email ). On XX/XX/year>, Genesis sent a partial reply ( see attached email ) along with a copy of the lease agreement and the Summary of Moveout Charges Statement. On XX/XX/year>, I sent a second email requesting the remaining alleged debt validation information and to cease and desist from all telephonic communication and to only communicate with me via email ( see attached email ). Genesis continued to call me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached call log ), and still have not emailed back the remaining information requested to validate the alleged debt. Genesis then reported the collections to all three major credit reporting agencies on XX/XX/year>, stating " Account previously in dispute - investigation complete, reported by data furnisher. '' This alleged debt is still under dispute since Genesis did not provide all of the information to validate the alleged debt. The statement provided contains charges that have not been proven to be mine or supported under the lease agreement.
Consumer complaint received 2024-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TransUnion.
Consumer complaint received 2024-07-29
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: Resurgent Capital Services L.P. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite raising the issue of inaccuracies multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

Chase states : the charges are valid because they represent digital cards. 

Fact : while gift cards were purchased, they do not even make up 20 % of what was disputed, and it was clearly stated in the dispute that Chase was being provided the amount including gift cards, and also without, in case the gift cards could not be returned, as I was not sure. There is over 80 % left unaccounted for by Chase. 

Chase was also advised and informed that the gift cards had not been redeemed when the dispute took place. The gift cards were used after Chase closed the dispute, in XXXX of XXXX. The first gift card was redeemed on XXXX. 

Chase states : that they confirmed that I received benefits from the purchase, yet omits the proof to back that statement up. 

Fact : the sole purpose of the dispute that I filled was that the goods and services that were paid for, were not provided by the market. Chase has repeatedly refused to provide proof that the deliveries were made. In the case of digital content, it would have been delivered to my email address. In the case of physical goods, it would have been delivered to my home. None of the documents establishing these deliveries occurred is private and privileged. It is my name, my address, my phone number, my email, and my signature. The only reason that Chase would decline to provide this is because such proof does not exist. 

Chase is also considered to be both advised and informed that the digital goods provided were for someone else, as copies of it was provided to Chase. The content is made for someone needed XXXX or XXXX, depending on the correct spelling of the name. I am not that person, and examples of what correct digital goods look like from another merchant was included for Chases reference and comparison, as in the correct example, my name is clearly used. In one case, the merchant clearly admits that what was provided was not meant for me. Chase declined the refund for that purchase. It is worth noting that the dispute was filed after the merchant failed to provide the remake, after stating that they would. By this point, the number of or amount of content that was incorrectly provided had exceeded my patience. 

Chase states that multiple small charges were refunded. 

Fact : these smaller amounts were never disputed. They are all either deposits or subscription fees, both of which are non refundable and were not disputed because of this. In the case of deposits being returned, Chase was repeatedly questioned why the deposits were being returned and not the remaining portion that was paid at a later date. In the case of the {$37.00} that was returned, it was a deposit. The remaining portion of {$960.00} is still owed.
Consumer complaint received 2023-10-01
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)

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.