davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
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. (AZ)

To Whom It May Concern, I am writing to formally dispute the erroneous information that your company has reported on my credit file. As someone who understands the intricacies of consumer law and credit reporting, I can confidently assert that the inaccuracies in your reporting violate multiple federal regulations. 

Legal Violations Identified : 1.Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This section mandates the complete and accurate communication of information by debt collectors. Your failure to provide accurate information is not just a simple oversight but a clear breach of this regulation.

2.Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This law requires debt collectors to validate and communicate debt information clearly and comprehensively. The data you provided lacks the necessary clarity and accuracy, resulting in substantial confusion and misrepresentation on my credit report.

3.Violation of 12 CFR 1006.34 ( d ) : This regulation requires that written notice of debt be sent within five days of initial communication. I have yet to receive any such notice that meets these legal standards, further compounding the issues with your reporting.

4.Violation of 15 USC 1661-s 2 ( 7 ) ( a ) : Under this federal statute, all information furnished to credit bureaus must be accurate and current. Your companys failure to update or correct the misinformation constitutes a serious violation of my rights under this law. 

In light of these infractions, I demand the immediate removal of the inaccurate information from all three major credit reporting agenciesEquifax, XXXX, and XXXX. I also request written confirmation that this information has been deleted and that no further reporting will be made unless it fully complies with all applicable laws. 

Please be advised that if this matter is not resolved within 30 days, I am prepared to escalate the situation by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies to protect my rights. 

I trust that you will treat this matter with the urgency and seriousness it warrants. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

My complaint is with XXXX. My original creditor was XXXX XXXX XXXX XXXX. I have a statement they sent me with a payment due date of XX/XX/XXXX. As of that date my credit card payments were late and a payment was never made. The ultimately sold the debt to LVNV Funding aka XXXX Acquisitions on XX/XX/XXXX. The date reported for the debt is the date is was acquired by LVNV Funding ( XX/XX/XXXX ) and not the date of the original delinquency, which was around the summer of XXXX. The debt is being reaged and from my understanding that is an illegal practice. It is a method collection companies use to make it hard on people that owe debt.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX 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 2024-08-07
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: Resurgent Capital Services L.P. (VA)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely researched. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These mistaken records are seriously harming my credit document and blocking my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused massive difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening straightaway. I mercifully demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue expeditiously would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-08-07
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: Kikoff Inc. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-07
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: I.C. System, Inc. (GA)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely researched. In spite of my endeavors, I still can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on as quickly as time permits. I sympathetically demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and honesty of my credit document so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

XX/XX/year> Tried to get credit report from Equifax on line. Can not verify information, message to call number. Called the number, on the phone XXXX minutes. They said they could not verify my information. They would send a letter in mail with pin number. 

XX/XX/year> Received letter, went on line, entered pin number, received message they could not verify my information. Told to call another number. Called the number. Computer asked a dozen questions. Answered all of them. The computer said they could not verify my information and said good bye.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have informed Transunion several times about these fraud inquires but they did not delete them. I am requesting again that this information is deleted.
Consumer complaint received 2024-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

XX/XX/XXXX, we contacted XXXX XXXX  for a quote to have our XXXX ceiling painted. 
We spoke on the phone to XXXX ( the owner ) he explained that the ceiling would be sprayed not rolled, he also let us know that it is a professional grade sprayer " not one that you can buy at any hardware store ''. I specifically stated we wanted flat paint. We also discussed protection of floors and walls because our walls were already painted and our floors had been professionally cleaned. That was important to us. The following Monday a painter came out to our house to finalize a quote. He also let me know that it was going to be sprayed and the floors and walls would be protected. We booked with XXXX XXXX  after that. We than paid the {$900.00} deposit. Total job was quoted for {$1800.00}. XX/XX/XXXX painters were supposed to show up between XXXX. I was told that they were late because the paint store was backed up with our paint. Meaning our paint ( the wrong paint finish ) was being purchased the morning of the job. 
After XXXX Different painters showed up, they didn't seem to have any idea of what the job entailed. On top of being late, they were not prepared for the job. No protection, no sprayer and semi gloss paint for a ceiling, not what we asked for. I immediately contacted the owners. The painters left because the paint was wrong, no protection in XXXX and rolling the ceiling was not what we hired your company to do. The painter also agreed it should be sprayed before leaving. After some thought, and obvious concern by everything that took place. We decided not to use this company and requested a refund. I was told i would not be receiving one because the 50 % deposit is non refundable. No work was done and if any supplies were bought, they weren't the correct ones. I reversed the charge through XXXX. XXXX XXXX  didn't respond to XXXX  for the reversal of the charge for over XXXX weeks. And still havent. 
Yesterday i received a message from a collection company that XXXX XXXX  is sending me to collections for {$2000.00}. More than the total job was suppose to be.
Consumer complaint received 2024-07-11
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. (FL)

15 u.s. code 1681 ( i ) - re inserted an item and never notified me within the timeframe. penalty {$1000.00} per item. XXXX XXXX
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (CA)

I had requested an escrow balance breakdown and it still shows that the property taxes were paid by the mortgage servicer in spite of the fact that I had made a payment separately for the XXXX tax year. 

So they just add it to my escrow account and increase my payment when in reality I had made a payment separately and they also made a payment making a duplicate payment for the same thing.

Also, the county showed that I was delinquent on the property taxes from the XXXX tax year for one of the installments. The mortgage servicer did not review the information I had sent them showing that I had made that payment, but XXXXXXXX XXXX XXXX XXXX XXXX did not clear it until XX/XX/XXXX. 

Basically, all the taxes had been paid by me separately as I have always done it except for the last tax payment in XX/XX/XXXX which the mortgage servicer had paid it all combined for the XXXX tax year. 

The escrow balance is inaccurate as it should not show a shortage given that I had paid the taxes separately. They need to adjust for duplicate payments. 

Please see attached for the supporting documents. 

Thanks!
Consumer complaint received 2024-08-07
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)

Around XXXXXXXX XXXX XXXX XXXX XXXX reached out to me about an alleged debt that they were assigned from Current Owner : LVNV Funding LLC as of XXXX XXXX. Upon receiving the notice I contacted them to let them know the account isnt mine and Ive notice several inaccurate personal information such as my name, addresses, and other personal information. I informed them I am a victim of identity fraud and sent the documents they wanted to clear my name but to no avail I am still going through this ordeal
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Last XX/XX/year>, I received a message on XXXX from an aunt who lives in XXXX. She asked me to please make a transfer to pay $ XXXX to someone, as her account was blocked and she needed to pay urgently. I made the transfer through PayPal using {$XXXX} that I had as a balance in PayPal and requiring {$XXXX} from the bank account linked to PayPal, the total transaction was {$XXXX} due to a XXXX fee. After completing the transaction, I received a message from a relative saying that if I was asked for money in her name, not to transfer it, as it was false. My aunts XXXX account had been hacked, and they were asking for money in her name. I tried to contact PayPal but couldnt, so I filed a claim to put the money on hold and have them investigate the case. At the time, I only had photos and the conversation with my supposed aunt. That was the only evidence I could provide. The money was put on hold, and PayPal said they would respond to the case in XXXX. The response came on Saturday, XX/XX/XXXX, informing me that the claim had been denied and that the money would be given to the thief. I started calling and communicating with many people at PayPal, without finding a single positive response. On the contrary, PayPal said that my money was lost and that there was nothing they could do, and that I should contact my bank. But they said nothing about the money I already had in PayPal ( {$XXXX} ). At no time was I contacted for more information about the case or given the right to explain what happened. The bank XXXX responded for the lost money ( {$XXXX} ) since I acted in time, but PayPal simply turned its back on me and didnt care that I was being robbed. 

Additionally, when I communicated with PayPal ( XX/XX/XXXX ), some employees said that the money was still on hold, but that it should be released because it had been a personal transaction. However, I explained the situation many times without getting a positive response. Apparently, PayPal, even knowing that I was being robbed, gave the money to the thief. They told me to contact the person to get my money back, but I had already reported and blocked them. Moreover, if they are stealing from me and many others, it is logical that they will not return any money. 

That person was able to collect money in several bank accounts. Likewise, virtual accounts in XXXX, XXXX, XXXX, XXXX and XXXX from family and friends of my aunt.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ] [ XXXX ] XXXX [ XX/XX/XXXX ] ** [ LVNV FUNDING LLC [ XXXX, XXXX, XXXX ] XXXX : Dispute of Unauthorized Account and Request for Immediate Action** Dear [ Credit Reporting Agency Name ] , I am writing to formally dispute an unauthorized account that has resulted in wage garnishment from my employer, due to actions taken by LVNV Funding. My details are as follows : - **Name : ** XXXX XXXX XXXX XXXXSocial Security Number : ** XXXX - **Date of Birth : ** XX/XX/XXXX This garnishment is causing me extreme financial hardship while I am already fulfilling my obligations for child support. Due to this situation, I am facing the risk of homelessness and am unable to pay my bills. 
I request that you investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. I have no knowledge of this account and believe I may be a victim of identity theft. As such, I ask that you take immediate action to delete this unauthorized account from my credit report and block any further reporting associated with it.

Please provide me with written confirmation of the results of your investigation and any actions taken regarding this matter.This Account is idenitiy theft.

Thank you for your prompt attention to this urgent issue. Sincerely, XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OneMain Finance Corporation (IL)

Hi, XXXX XXXX. XXXX. My personal information was compromised during a home burglary and then, used to open three fraudulent accounts with XXXX XXXX ; using My Name, SSN & DOB, along with various fraudulent addresses, while I was overseas, serving in the XXXX XXXX. PLEASE help. Thank you again!
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo in XXXX XXXX called and asked if I was requesting a new credit card with an authorized user of XXXX XXXX XXXX from XXXX. This is not my wife 's name and I did not request this credit card. Somehow she was able top obtain my SSN and use it in the application. Thanks for your help in looking into this fraudulent behavior. 

Your truly, XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (IL)

Hi, XXXX XXXX. XXXX. My personal information was compromised during a home burglary and then, used to open XXXX fraudulent accounts with XXXX XXXX ; using My Name, XXXX & XXXX, along with various fraudulent addresses, while I was overseas, serving in the XXXX XXXX. PLEASE help. Thank you again!
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Long story short tried to deposit my boyfriend ( XXXX ) a 401k check. First they said it was bad. Then they said couldnt do it because third party check. Finally 3 weeks later they admit it is good. Now they wont send me the money in a check because they closed my account because it was fraud.
Consumer complaint received 2024-08-06
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: Credit Corp Solutions Inc. (TX)

I'm writing to convey my significant worry concerning a couple of addressed accounts that remain mistakenly recorded on my credit report. Regardless of different undertakings to address these slip-ups and reiterated requests for a thorough assessment, there has been no objective or healing move made to date. 

These off-base records are genuinely hurting my credit archive and generally disturbing my ability to have a normal presence. The negative repercussions of these blunders have caused monstrous challenges, and I'm left with no choice aside from to contend for your close by assist with reviewing what is happening. 

I generously request that you direct a cautious assessment concerning the specifying of all of these challenged records. It is fundamental that the fundamental advances are taken to invigorate and review my credit report immediately. With your help, I want to restore the accuracy and genuineness of my credit archive so I could recover control over my money related thriving. 

I really urge you to offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue rapidly would be very significant. 

Thankful to you early on for your cognizance and help.
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery repeatedlXXXX XXXX me for debt that is over XXXX XXXX XXXX and is not longer even showing on my credit report. XXXX time I answered asked them to stop calling and that stopped it for about a week then the call continued today. 
XXXX phone calls in just the last month from many many different numbers Called today XX/XX/year> the call dates for the last month are as follows XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Please get them to stop calling and XXXX  me
Consumer complaint received 2024-08-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was at home sitting heard a notification came in on my phone, my BOFA account was unlocked without my permission at approximately XXXX upon trying to log in to my account. Notice that I was unable to get any access whatsoever to my online banking. Since then Ive tried to reach out to the company via using there steps & guidelines online through XXXX, maybe over an hour using my accounting number/ card number still wasnt able to get to customer service nobody whatsoever. Because the online automation is telling me that my account/ card number doesnt match with the same number used to open the account isnt working. Ive got over XXXX in my safe balance and I need to know or where to get help with my financial situation urgently..Need to know why Im block.