davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

I filed a dispute on XX/XX/XXXX for a flight that I purchased on XX/XX/XXXX for {$500.00}. The flight was purchased through a third party website, XXXX. The flight was an XXXX XXXX flight from XXXX XXXX XXXXXXXX to XXXX XXXX XXXX XXXX, for Friday XX/XX/year>. The flight was cancelled by XXXX XXXX in XXXX. On XX/XX/XXXX, I reached out to XXXX XXXX for a refund ; I was instructed to reach out to XXXX. I reached out to XXXX to ask for a refund ; I was instructed to reach out to XXXX XXXXXXXX for a refund. This constant back-and-forth of these two companies lasted until XX/XX/XXXX, when I filed a dispute with my bank, Chime. Chime began investigating on XX/XX/XXXX. Over 20 business days passed, and there was no resolution, not even a temporary credit. On XX/XX/XXXX, I reached out to XXXX, and they informed me that they initiated a refund to Chime on XX/XX/XXXX, XXXX business days prior. I called Chime, and they informed me that they had no record of the refund. I put Chime and XXXX on a 3-way call, and a XXXX representative confirmed directly to a Chime representative that they initiated a refund, and that the original amount should be credited to my account. After this conversation, I asked Chime to approve my dispute and credit my account, since they now had direct confirmation from the merchant. They refused to do so. The lack of professionalism and competency with this company is both appalling and frustrating. I would like my money refunded back to my account IMMEDIATELY.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with LVNV FUNDING LLC company I believe the original creditor XXXX  XXXXXXXX XXXX XXXX XXXX  sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Revenue Enterprises, LLC (OK)

XX/XX/year> I requested a purchase agreement, agreement to sell, or service agreement agreement with my signature between myself and said company. 
XX/XX/year> I disputed it with XXXX after I did not receive proof of debt from each company. 
XX/XX/year> I mailed XXXX, XXXX, and XXXX a letter requesting verification of debit XX/XX/year> XXXX Verified the debit and said it would remain on my report XX/XX/year> I requested a verification method including dates, times, and how they verified the debt and disputed it again. 
On XX/XX/year>, I sent a certified letter to Revenue Enterprise, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX requesting a verification method. 
XX/XX/year> They sent another message saying my debt was verified with NO verification method and also opened a new online dispute asking for proof of service and method of verification XXXX I received a message from XXXX only saying the dispute was modified and would remain on my report again, with no verification method given to me On XX/XX/year>, I demanded proof and verification of the debt from all three debt holders and credit bureaus, and XX/XX/year>, I received another message from XXXX that the debt was verified without providing me with a method of verification XX/XX/year> I am reporting to CFBD and sending a letter to all companies notifying them of this decision to file a complaint.
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and District of Columbia Laws Dear CAP ONE AUTO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specifically under the District of Columbias statutes.

It has unequivocally come to my attention that CAP ONE AUTO has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, the District of Columbia emphasizes consumer protections against unauthorized use and reporting of credit information through its identity theft statutes. Specifically, the Districts Code under Chapter 38A ( Identity Theft ) and Chapter 32 ( Consumer Protection Procedures Act ) provides further legal grounds to protect consumers from unauthorized use of their personal information and any deceptive trade practices that may arise from such actions.

I assert with unwavering certainty that I have not provided consent for CAP ONE AUTO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and District of Columbia laws.

I demand, with the utmost certainty, that CAP ONE AUTO immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the applicable identity theft and consumer protection laws of the District of Columbia. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under both federal and District of Columbia laws , including identity fraud statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and District of Columbia identity theft and consumer protection laws. This is not a negotiation ; it is a demand for compliance with both federal and local regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAP ONE AUTO will promptly rectify these egregious violations, respecting my rights under federal and District of Columbia laws. 

Done in good faith.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I kindly request that your company review my payment history and take immediate steps to correct these erroneous reports. Additionally, please notify the relevant credit reporting agencies [ XXXX, XXXX, and XXXX ] to remove the incorrect late payment entries from my credit report. 

Attached are copies of my payment records, which demonstrate that I made my payments on time and as agreed. Please ensure that this matter is handled with urgency, as these inaccuracies have had a serious impact on my financial well-being. 

I would appreciate written confirmation that the late payment entries have been removed from my credit report and that no further errors will be made regarding my payment history. 

Thank you for your prompt attention to this matter. I look forward to your response and the swift resolution of this issue.
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (IN)

I was sent wiring instructions through email from the title company while purchasing real estate. Their email was hacked by the fraudster and they sent money to their bank. I immediately issued a recall with my bank and the receiving bank. They requested a hold harmless letter which my bank sent. It has been several weeks when bank sent me XXXX back, but is refusing to release the remaining XXXX.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (TX)

VALIDATION AND CEASE AND DESIST Net Credit/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Net CreditXXXXXXXX XXXX  : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (TX)

I checked my credit report and found inaccuracies that needs to be removed. 

Inaccurate Name : XXXX, XXXX, XXXX XXXX XXXX XXXX Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly remove these addresses and update it with my current address
Consumer complaint received 2024-10-11
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: Resurgent Capital Services L.P. (PA)

Subject : Debt Validation and Request for Documentation I am writing in response to a notice I received from your company regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting validation of this debt. Specifically, I am asking you to provide the following information : 1. The full accounting of the alleged debt, including the total amount owed, the original creditors name, and any accumulated interest or fees.

2. The original contract or agreement that bears my wet signature, proving that I agreed to this debt. 
XXXX. A copy of the assignment or purchase agreement between the original creditor and your agency, demonstrating your authority to collect on this debt. 

The following accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the validity of this debt and request that all collections activities cease until proper validation is provided. If your agency is unable to provide these documents, I request that you remove this debt from my records and notify all relevant credit reporting agencies.

Please be aware that until this debt is validated, any negative reporting or continued collection efforts may be considered a violation of the FDCPA. 

I look forward to your timely response within the 30 days required under the FDCPA. Failure to respond adequately will result in further action to protect my rights.
Consumer complaint received 2024-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC has failed to provide any documentation giving them the legal right to say i owe them an alleged debt amount of {$630.00} and to respond to my cease and desist notice sent on XX/XX/year> to an address specified herein. LVNV FUNDING LLC has reported this Deceive and inaccurate information on my credit report to XXXX, XXXX, and XXXX without my consent tarnishing my character and general reputation. LVNV FUNDING LLC has abused and deceived me into believing that I was obligated to pay this alleged debt. After speaking with a Supervisor of the company, She informed me that this alleged debt was charged off via 1099C to the Internal Revenue Service and LVNV FUNDING LLC purchased this debt, now requiring me to pay them. LVNV FUNDING LLC has violated the Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Dodd-Frank Act and must be held accountable.
Consumer complaint received 2024-08-26
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. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$990.00}, XXXX XXXX  Bal. {$0.00}
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On Monday XX/XX/XXXX, I received an email informing me by checking account 's balance was below XXXX. The email stated I had a GRACE PERIOD to XXXX XXXX to avoid overdraft fees. There was no additional information in the email about the account ( i.e., any pending bills ). On Tuesday at XXXX XXXX I made a deposit to bring the account fully back into positive territory ( aka, I deposited enough cash at the ATM to ensure if there was a pending bill, it would be paid ). Yet the same day, at XXXX XXXX I had received an email ( which I didn't know about until that evening as I'm not staring at my personal email XXXX times a day ) a bill was returned due to a negative balance on the account. That email stated the bill had been received by the bank on XX/XX/XXXX - since the account had a negative balance, by the following business day, the bill was returned to the payee. When I called to inquire why the bill wasn't paid even though the account was fully funded as of XX/XX/XXXX I was given the runaround regarding how the account didn't have overdraft protection and I would need a different account if I wanted it for the future. Likewise, Wells Fargo has repeatedly refused to answer my questions as to why their most basic account ( which I have - Clear Access ) is charged $ XXXX  monthly service fee ( and BTW, has no overdraft protection, nor does it have physical checks ) - yet XXXX of the ways to avoid a {$5.00} service fee on the one I have ( Clear Access ) or a {$10.00} service fee on their next highest account ( Everyday Checking, that does have overdraft protection and physical checks ) is to be between the ages of XXXX and XXXX. Evidently, when a person turns XXXX, that's when Wells Fargo can charge another {$5.00} in account fees ( why, they refuse to answer ). I want Wells Fargo to explain why there is a {$5.00} difference between their XXXX most basic accounts ( everything is digitally processed, and XXXX XXXX has no access to physical checks and and wouldn't use them for the XXXX XXXX account, so this is a moot point ) as well as, why there is an random age ( XXXX ) tied to when they can no longer charge any account fees. It makes no sense why you can be XXXX and have a XXXX checking account... but when you turn XXXX suddenly the bank is allowed to charge you for a XXXX XXXX ( unless you qualify for another exception ).
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Helvey & Associates, Inc., Warsaw, IN Branch (PA)

Helvey and Associates , Inc sent me a letter on behalf of XXXX XXXX and threatening to report me to the national Credit Bureaus. According to their letter I have a total due of {$150.00} to pay XXXX XXXX. I dont understand what was it about. I have attached my receipt of payment to XXXX XXXX ( XXXX XXXX ) that on XX/XX/year>, I paid {$230.00}, and on XX/XX/year>, I paid {$340.00}. Now, I dont know what was the {$150.00} for. Also, this power company are not making any sense in their charges to me. I have reported them to my states complaint board, but nothing happened, I was the one that was blamed by the investigator.
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

XX/XX/year>24 a withdrawal of {$190.00} and {$22.00} were made from my personal credit union account to my PayPal XXXX store account. I attempted to dispute but could not while pending. It cleared XXXX and was immediately transferred to a XXXX bank account that had just been added, not showing as verified with the XXXX small deposits, and another withdrawal of $ XXXX was initiated from my credit Union. I contacted my credit Union and PayPal but can not dispute pending charges. I deleted the added bank account and noticed an authorized user had been added who I also deleted. PayPal has yet to respond.
Consumer complaint received 2024-10-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (IL)

I am unaware of this collection on my report I have filed a complaint before asking for the original copies with my signature and they have sold this account to XXXX XXXX, and I have not received any information from that company far as original copies. I am also asking for a copy of the 1099 form. I need all copies of this open account on my credit report.
Consumer complaint received 2021-08-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day 30 days later I have not received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, and it has been well over 30 days so they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and the updated to paid as agreed. My information was also impacted by the Equifax data breach. After I updated my report on XX/XX/21 and realized that not only did the bureaus not verify or show proof of verification or validation, but they also did not put on my report that these items were under dispute that is a direct violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

I have done my research and I know I am entitled for compensation for these violations and they must be deleted. I also sent follow up letters on XX/XX/21
Consumer complaint received 2024-10-11
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. (MS)

XXXX closed the account for XXXX dollars on XXXX XXXX and sold to Lvnv Funding Llc for XXXX dollars opened on XX/XX/year>XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (TX)

- Kindly remove these addresses and update it with my current address there should be one ADDRESS reporting on the file. It is alarming as there are different addresses reporting differently. Kindly remove this ASAP Inaccurate Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX