davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (TX)

Contacted Ally via chat on XX/XX/2023 to close my checking account after calling and being on hold more than 30 minutes. I told XXXX from Florida more than a dozen times to cancel the account but she kept asking questions and telling me about products trying to get me to change my mind. Chat lasted more than 15 minutes and she refused to close the account unless I gave her access to an external account. Checking balance is {$0.00} and interest would be less than XXXX cents so its not like they are going to send that to me anyway and its just a scam to get permission to conduct transactions on an external bank account. They have all my info and could send a check if need be but XXXX continued to request access to an external bank account.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC (SC)

I did not provide authorization or consent for this inquiry, and I am concerned about the impact it may have on my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries with proper authorization should be included in a consumers credit file. As I did not authorize this inquiry, I am requesting that you immediately remove it from my credit report. 

Please provide written confirmation of the removal of this inquiry. If you require any additional information from me to complete this investigation, feel free to reach me at the contact information provided above. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-23
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. (FL)

I have submitted multiple disputes. I have requested documentation according to 1666b billing error. It has not been provided. I have also requested methods of validation. Please ensure the credit bureaus investigate my disputes. I have attached them to this complaint.
Consumer complaint received 2023-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (IL)

I tried paying off the principal of the loan early, but when I went online the there was a max allowable amount of {$4900.00} daily. I called customer service to pay and they also told me they were maxed at the same amount. The loan contract I have clearly states you may prepay all or part of the unpaid part of the Amount Financed at any time without penalty l. This is a breach of contract on the loan terms I signed.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

COME NOW, LVNV FUNDING LLC is attempting to collect a debt that has been properly tendered and set-off via 1099-C for year XXXX received and accepted by the original creditor and returned to me for record. 

They are now in violation of 1. Violation of the Fair Credit Reporting Act ( F.C.R.A. ), 2. Violation of the Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p 3. Defamation of character 4. Unauthorized use of my personal information. 
5. False Misrepresentation and Identity Theft considering no one from the XXXX XXXX XXXX, Estate as authorized nor signed any agreement with LVNV FUNDING LLC. 
6. Collection of extensions of credit by extortionate means.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (TX)

I am writing to formally dispute the accuracy of the information you have provided to consumer reporting agencies regarding an alleged debt. I believe that your reporting of this debt violates the Fair Credit Reporting Act ( FCRA ), specifically XXXX5 USC 1681-s2 ( 7 ) ( A ), as well as the Truth in Lending Act ( TILA ), specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and 12 CFR 1006.34 ( d ). I dispute the following information : Collection account amount of {$710.00} updated as of XX/XX/year> I request that you immediately investigate this dispute and correct any inaccurate information reported to the credit bureaus. Pursuant to the FCRA, I am entitled to a written notice about your investigation and the results. I believe that the information you have provided is inaccurate because I spoke on the phone with a rep and inquired the proof of information that the debt is mine and to send a copy of the original contract validating if I contracted with you and haven't received anything I hereby revoke all authorization for Cks Prime Investment to communicate with me via email, text message, or telephone. All future communication must be conducted in writing via certified mail. I am requesting a copy of the purchase agreement between Cks Prime Investment and the original creditor. Additionally, I am requesting proof that Cks Prime Investment is licensed and bonded to conduct debt collection activities. I look forward to your prompt response to this dispute. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
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. (FL)

The company said the information was verified but Im needing to know whats the name of their employee who spoke with employee from that company also the name of the employee from the company they spoke with to verify the information being disputed also send payment history and original contract that was signed which includes the balances and payment history for Florida Department of Revenue, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX this is informing them that a Letter of Intent to sue is next step if this information Im asking for can not be provided also the company response was well over 30days since the certified letter was stamped XX/XX/year> they did move and a timely matter
Consumer complaint received 2023-10-05
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. (FL)

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 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 XXXXXXXX 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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (CA)

I am writing to verify an account that appears on my credit report. The account in question is reported under the following details : XXXX Account XXXX : RESURGENT/LVNV FUNDING Account number XXXX .... 
Reported Address : XXXX ( identification number ). 

I would like to formally request an investigation into this account, as it is associated with an address where I have never lived. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report. 

I kindly request that you investigate this matter and remove this account from my credit report, as it is not valid.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (GA)

The company claims I owe them money. However, I never opened an account with them. Nor have I ever signed anything. They claim I owe them money from a debt. This debt does not belong to me. It is affecting my credit score.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (TX)

I am filing a complaint regarding the handling of my approved XXXX XXXX application for loans related to my attendance at XXXX XXXX XXXX. Under the XXXX v. XXXX settlement, I am entitled to a full refund of {$46000.00} for all payments made toward these XXXX loans. Despite the discharge being applied and my account reflecting a {$0.00} balance, I have yet to receive this refund. 

Prior to the discharge, my loans were transferred from Aidvantage to XXXX. However, neither Aidvantage nor XXXX has provided a timeline for my refund, nor confirmed the amount owed, and it appears that neither party knows who is responsible for initiating this refund. This lack of communication and transparency has created unnecessary frustration and financial uncertainty. 

Details : Borrower Defense Application Number : XXXX FSA Complaint Number : XXXX Please address the following : XXXX. Confirm which servicer, Aidvantage or XXXX, is responsible for initiating the refund. 
2. Provide a clear timeline for the refund processing. 
XXXX. Confirm the exact amount of {$46000.00}, which represents full repayment for all XXXX loans discharged under the Borrower Defense.

Aidvantages ongoing delays and unresponsive approach have complicated the process. I am requesting the CFPBs assistance in ensuring that Aidvantage, XXXX, and the Department of Education fulfill their obligations under the XXXX  v. XXXX settlement. 

Thank you for your time and attention to this matter.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : ITEMS TO DISPUTE Personal Information : Former : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (CA)

I am writing to verify an account that appears on my credit report. The account in question is reported under the following details : Account name CBNA  Account number XXXX .... 
Reported Address : XXXX ( identification number ). 

I would like to formally request an investigation into this account, as it is associated with an address where I have never lived. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report. 

I kindly request that you investigate this matter and remove this account from my credit report, as it is not valid.
Consumer complaint received 2024-10-22
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. (GA)

I am writing to report an issue I have encountered with LVNV Funding LLC, C/O Resurgent Capital Services XXXX 

1. **What Happened** : I receive daily calls from LVNV Funding regarding alleged debts that I dispute. They claim that I owe the following amounts : - {$450.00} ( Opened on XX/XX/XXXX ) - {$470.00} ( Opened on XX/XX/XXXX ) - {$490.00} ( Opened on XX/XX/XXXX ) - {$720.00} ( Opened on XX/XX/XXXX ) I believe these debts are not valid. 

2. **Timeline of Events** : - **Date of First Contact** : Sometime in XXXX - I first began receiving calls from LVNV Funding about the debts . During one of these calls, I requested validation of the debts, as I do not recognize them. 
- **Ongoing Communication** : Since that initial call, I continue to receive daily calls from LVNV Funding demanding payment for these alleged debts, despite my requests for validation. 
- **Cease and Desist Letter** : On XX/XX/XXXX, I sent a cease and desist letter to LVNV Funding, requesting that they stop all collection activities until they could provide proper verification. 

3. **Amounts Involved** : The amounts claimed by LVNV Funding are as follows : - {$450.00} ( Opened on XX/XX/XXXX ) - {$470.00} ( Opened on XX/XX/XXXX ) - {$490.00} ( Opened on XX/XX/XXXX ) - {$720.00} ( Opened on XX/XX/XXXX ) XXXX. **Your Actions** : - I disputed the debts verbally with the representative during the initial call and followed up with written communication requesting validation. 
- I have kept records of all communications, including dates and summaries of conversations with LVNV Funding. 

5. **Response from the Company** : Despite my efforts to resolve this issue, I continue to receive daily calls and letters demanding payment. This ongoing communication has caused me significant stress and XXXX. I believe that this behavior violates the Fair Debt Collection Practices Act, as they have not provided the requested validation. 

XXXX. **Desired Outcome** : I would like LVNV Funding to cease all collection efforts until they can provide proper validation of the debts. I also request that they refrain from contacting me further, as I have already made my position clear. 

Thank you for your attention to this matter. I hope for a prompt resolution to this issue.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (PA)

Dear LVNV FUNDING LLC, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt. To ensure accuracy and compliance, please provide me with the following : 1 ) A copy of the original assignment contract or agreement that verifies your right to collect on this debt. 2 ) A detailed statement of the amount owed, including any fees or interest. 3 ) Evidence that this debt is within the statute of limitations. Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA. I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have two accounts with Capitol one. They deleted my banking information today, even though my last two payments went through on XX/XX/XXXX. Customer service agent said they updated there information and now only have my old payment accounts available. I asked him when was the notifications sent out about the changes and he wouldn't respond. He put me on hold. When he came back he kept insisting I just simply input my bank routing number. That they didn't have it. I asked him if they didn't have it already then how was my payments getting through. I asked him why are old payment accounts still available if the banking information I had currently used for the last two years was deleted. He had no response. All he kept implying was I need to reenter my banking information. I said I don't like the fact they tampered with my payment account information with out my approval or consent and there isn't a way to take off my old payment accounts. I feel unsettled about the matter and asked if I was allowed to pay with money order and he told me no. I asked him a few times to clarify that I was infact not able to pay with money order. Each time he told me no. I asked him to give me the policy in which they changed and no longer take money orders. He couldn't. I told the Capitol one customer service agent that I am recording the call the same way he is recording the call. He then got shifty with his responses. He told me to access the information online. That they do infact take money orders. I had no notice of change nor was I consenting to this company messing with my bank card information. I want to know why there isn't a way to deleted old bank accounts linked for payments. And I want to know why I was decieved and lied to. I contacted this company around XXXX XXXX on XX/XX/XXXX. After I got off the phone with the agent I googled if the company in fact takes that form of payment and they do. This behavior has me concerned so I locked my cards and am reporting these practices. It seems deceptive to lie about policies, messing with customers payment banking information, and not being able to deleted old banking accounts linked for payment.
Consumer complaint received 2024-10-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC (CT)

The credit bureau is reporting a collections account on my credit report that is unverified. There is no validation of debt that was sent to me. I looked on the New York Secretary of state website and I saw the company was registered however it has been inactive since XX/XX/year> so how is it still on my credit report there is no way its validated. : ENTITY NAME : HARVARD COLLECTION SERVICES , INC . 
XXXX XXXX FOREIGN LEGAL NAME : FICTITIOUS NAME : ENTITY TYPE : FOREIGN BUSINESS CORPORATION DURATION DATE/LATEST DATE OF DISSOLUTION : SECTIONOF XXXXXXXX XXXX XXXX BUSINESS CORPORATION LAW ENTITY STATUS : INACTIVE DATE OF INITIAL DOS XXXX REASON FOR STATUS : TERMINATED EFFECTIVE DATE INITIAL XXXX INACTIVE XXXX FOREIGN FORMATION XXXX STATEMENT STATUS : NOT REQUIRED COUNTY : NEW YORK NEXT STATEMENT DUE XXXX JURISDICTION : ILLINOIS, UNITED STATES XXXX CATEGORY XXXX
Consumer complaint received 2024-10-23
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. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.