davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NC)

I have disputed this account from lvnv funding XX/XX/XXXX  it was deleted from my account but it's still showing on my credit report and they still send me emails trying to collect a debt can you please make sure this is removed from all of my credit thank you.the amount is XXXX Your Account Dispute has been updated. 

XX/XX/XXXX  The dispute for the account with LVNV FUNDING LLC that starts with XXXX has been removed from your credit report. 

Source XXXX  Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : LVNV FUNDING LLC Address : C/o Resurgent Capital Lc XXXX XXXX XXXX XXXXXXXX, SC XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

I am writing to file a new, distinct complaint against Resurgent Capital Services, as my previous submission was mistakenly closed as a duplicate. Please be advised that this is not a duplicate complaint, and my concerns have not been adequately addressed.

Unauthorized Credit Inquiry : Resurgent Capital Services conducted an unauthorized credit inquiry on my credit report on XX/XX/year>, in violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b. This inquiry was made without my permission, and I am entitled to {$1000.00} in damages for this violation. 

Inadequate Responses to Dispute : I have repeatedly disputed the following collection accounts : **Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX. 
Current Owner : XXXX XXXX XXXX Balance : {$1500.00} **Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 
Current Owner : XXXX XXXX XXXX Balance : {$2900.00} Resurgent Capital Services has failed to provide a satisfactory resolution to my disputes. They have only sent generic letters without addressing the core issues, such as the validity of the debts or providing any signed contracts. Furthermore, they have not corrected the inaccuracies in my credit report. 

Legal Consultation : I have consulted with XXXX XXXX, XXXX, and XXXX XXXX, both of whom have agreed to take my case if necessary. I urge you to treat this as a new and separate complaint and address these unresolved issues promptly. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I've sent in MULTIPLE request for this XXXX  account and XXXX XXXX account to be DELETED from my credit report, I have XXXX knowledge of these accounts and have expressed this MULTIPLE times to the credit companies,. I've tried to send in reports and proof that I do not own this account and that I was in the military deployed but they still won't DELETE these accounts. This is harming me from getting a home and getting credit extended out to me. They SAY that they properly have investigated these accounts but i know for a FACT in XXXX hours ( the time they supposly did the reinvestigation ) that a proper investigation wasn't done along with the proper paperwork send over to my self and the date furnishing companies. I want these account DELETED off my credit report.
Consumer complaint received 2024-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Ive had this car for almost XXXX years and I STILL owe over {$3900.00}. My interest rate is OUTRAGEOUS but how else was I supposed to get a vehicle to take care of my kids? To get to work? To get my kids to daycare? They took advantage of my situation and Id like them to pay for it.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2024-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GFS II, LLC (GA)

As stated in Article 1 section 10 of the constitution *Only gold and silver can be used as that is deemed as lawful money. * With the above statement being Truth. I am no longer obligated to pay a deficiency balance or any remaining balance on the account under the name XXXX XXXX. I have learned recently that this is a legal fiction ( PERSON ) used to contract and do business as such. I am a living being and not a dead corpus. Fraud has no statute of limitations and legal action will be taken if the company ( GATEWAY FINANCIAL SOLUTIONS ) continues to violate my consumer rights. I've given address corrections to the company ( GATEWAY FINANCIAL SOLUTIONS ) for all documents and still have not received any acknowledgement nor consideration of hardship. I have gained full competence to the contract and have acknowledged to the company by way of telephone that my alleged " Debt '' can not be sold nor paid in any future time. If not considered FULL legal action will be taken. I also have asked the company in both of my previous complaints to refund All fiat ( Federal Reserve Notes ) to my accounts as it is not lawful money or legal tender.

Article I, Section 10, Clause 1 : No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I obtained my consumer report and noticed several items on my report that do not belong to me. I had contacted the 3 major credit bureaus ( Experian, XXXX, XXXX ) notifying them letting them know that I am a victim of identity theft. I also reported this fraud to the Federal Trade Commission and obtained a identity theft report # XXXX. I sent the bureaus a copy of the identity theft report and response I either received generic responses via mail and email such as : the information was verified, misrepresentation of my identity theft report, and someone else ( third party ) disputed this information on my behalf which is all false. After recently contacting the bureaus via telephone was told by a representative that I need to document this theft with my my local police department. I file a report with the XXXX Police Department report # XXXX. Both reports are attached. I have also contacted a attorney in the attemp to file a civil suit against the 3 bureaus.
Consumer complaint received 2024-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

I have called them every month for XXXX year after they started a new web site You are unable to add a payment method on their website. They continue to say it is a technical issue but it has been over a year. I believe it is on purpose so they can generate more late fees. I have not incurred any late fees yet. 

When asked if they can do it on the phone they say NO???? 

The company is, Lakeview Loan Servicing , LLC is based in XXXX XXXX, FL and XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-15
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: Global Lending Services LLC (TX)

While checking my most recent credit report via XXXX XXXX, I noticed credit inquiries that I did not authorize. Made by the following companies : XXXX XXXX XXXX XXXXXX/XX/XXXX Global lending Service XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

On my credit report, it shows that a collection company is charging me XXXX for back owed rent from XXXX XXXX, I have never owed them back rent and all rent when my lease was still in term has all been paid. I have been trying to dispute this for over a year as there is an inaccuracy with not only the amount but who I must pay it too
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (TX)

American Express has been reporting my personal and private transactional information to third party credit reporting companies without my express written consent, in violation of the FCRA, FDCPA, GLBA and my right to privacy.
Consumer complaint received 2019-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (CO)

I have been receiving harassing debt collection phone calls from Northstar. I have repeatedly confirmed that I have no outstanding debts with anyone. 

They have called from XXXX the following dates and times and have left threatening voicemails : XX/XX/XXXX XXXX XX/XX/XXXX XXXX Friday, XX/XX/XXXX XXXX Friday, XX/XX/XXXX XXXX Monday, XX/XX/XXXX XXXX Tuesday, XX/XX/XXXX XXXX
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-14
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (ME)

I have an american express egift card and it is being declined everywhere I try to use it online. I called American Express and their suggestion was to just keep trying. I have tried everything - loading into my apple wallet, trying to use it in person, and at various retailers online. All without any success. The value of the gift card is XXXX.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To Whom It XXXX Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  XXXX {$6400.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$9500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX {$5800.00} XX/XX/XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IN)

I submitted a request to close my escrow account on XX/XX/2024 and followed the instructed method by submitting a handwritten signed request via email. Additionally, a customer service representative told me that he also submitted a request for me. I received an email from Newrez acknowledging receipt of this request on XX/XX/2024. The website says that it can take up to 30 days for a removal of my escrow account to process. It took 45 days for my escrow account removal request to be approved. Today is XX/XX/2024. I still have not received my funds that were held in my escrow account.
Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I sent out to XXXX. XXXX, and XXXX an identity theft affidavit along with an identity theft FTC report, my personal information, by certified mail on XX/XX/2023 to resolve this matter, and again on XX/XX/2023. I've reach out to the original creditors as well with no resolution. I had requested for the inaccurate information to be removed and blocked from my credit report. This is causing a defamation of character and its injuring me financially. I've spotted many red flags regarding this matter such as : No consistency - Different staff or salespeople are telling you different things regarding pricing or other information Wont put it in writing- No one will give you clear information in writing, even when you ask for i
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

When I applied in XX/XX/year> and was immediately approved they advertised a promotional {$300.00} statement credit if I purchased/stayed at an XXXX XXXX XXXX That the credit would take XXXX weeks to post to my account. I stayed at XXXX different XXXX XXXX for XXXX nights each time, during the month of XX/XX/year> and XX/XX/year> and have never been extended the {$300.00} credit advertised. I would call several times a month, for the last XXXX  months, to claim my credit and was told I had a valid claim and my issue was being escalated to a supervisor or other department that could approve and post the credit. It is now XXXX and still no credit. Today XX/XX/year> I was told for the first time by a supervisor that the reason it has not been extended is the charge from the XXXX hotel is not being billed to them as a XXXX XXXX and therefore the system does not extend the promotion. This is completely FALSE, when the representative himself acknowledges that we in fact have stayed a XXXX different XXXX Hotels and it was for this sole reason I applied for the card to begin with. He explained it a system error. The customer service supervisors claims he has not authority to extend the promotion and open a case with the marketing department Ref # XXXX, so they may determine whether or not they will extend the credit. This after XXXX  months of me calling- spending my work hours to resolve this issue and never being told the credit was in dispute. They are grossly misleading the customers, to then not extend promotions offered! The worst part is that they are using a billing system error to justify it. 

The credit card is a Chase Credit Card XXXX XXXX and back up my XXXX.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

XX/XX/year> Wells Fargo abruptly closed my credit card account without warning. I found out from a deluge of texts and emails from various subscriptions and purchases that my card was not able to be charged. I use this card for all purchases and have been paying down the balance. I was counting on the card for major purchases in the near future. Because it was closed without warning I missed payments for a few XXXX services that I am now not going to receive.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I am not aware of this third party company called Resurgent Capital Services. As this company does not appear on my credit report, I have never received anything in writing about a debt that I alleged owe Resurgent Capital Services. However, I contact LVNV Funding, LLC XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$420.00}. And on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the account # XXXX in the amount of {$740.00}. These letters were requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) I had asked for proof that they had the right to collect the debt, including any agreement that grants LVNV Funding authority to collect on behalf of the original creditor. Lastly, I requested that they send proof that the alleged debt is owed by me including any signed agreement or contracts bearing my signature. LVNV Funding has not responed. XX/XX/XXXX was my first letter from Resurgent Capital Services, LLC, a ( third party company ) stating they are acting on behalf of LVNV funding to collect on two allege debts. Yet, again, Resurgent Capital Services failed to provide me with a copy of any viable evidence, bearing my signature, showing both alleged accounts belong to me. Also, I asked for proof that they have right to collect the alleged debts. They sent account summary that was prepared by Resurgent Capital Services but never from an orginial creditor. This does not constitute validation from an orignial creditor. As per FTC letter from Attorney XXXX XXXX XXXX, Resurgent Capital Services should be aware that a printout of a bill or itemized document does not constitute verification. I have attached what Resurgent Capital Sent that is not verfication and justifiable.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I deposited {$700.00} cash of XXXX pieces of {$100.00} bills at Wells Fargo XXXX  at XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX California last XX/XX/year>. The transaction didnt appear on my account and didnt print a receipt. Called Wells Fargo and reported the issue. Till now the issue hasnt been resolved.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Strategic Alliances, Inc. (KY)

On XX/XX/2023 - FFAM360 is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. I am sue this is a violation of the FDCPA.