davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (VA)

On XX/XX/year>, I sent a formal letter to Absolute Resolutions Investments stating how reporting information that they know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Specifically, section 607 of the Fair Credit Reporting Act ; Compliance procedures [ 15 U.S.C. 1681e ]. Every step must be taken to assure the information reported is completely accurate and correct. Pursuant Section 611 in the Fair Credit Reporting Act, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], inaccurate or unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account. I respectfully asked the account to be verified, immediately, by providing proof of this alleged item, specifically the contract, note or other instrument bearing my signature ; or be removed from my report. 

No information was provided to me from the company. I simply as the company to provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. XXXX ) A complete Audit Trail calculation of this balance, including the complete transaction history on this account, so I have proof that the amount is correct. XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation showing I gave you permission to have my information. XXXX ) A copy of your state license, including license number that gives you rights to collect in my state. XXXX ) The purchase agreement. XXXX ) Swear under penalty of perjury you were present during the alleged debt. In the company 's initial response on XX/XX/year>, they stated ALL the documents I'm asking for is in their possession. I never received such proof. 

On XX/XX/year>, I sent another formal letter to the company requesting to cease further communication, since they were unable to provide sufficient evidence of this alleged account of mine. Again, exercising my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) ; a consumer has the right to request a debt collector cease further communication.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (VA)

On XX/XX/year>, I sent a formal letter to XXXX XXXX XXXX respectfully asking the account to be verified, immediately, by providing proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

No information was provided to me from the company, pertaining the alleged originated debt. I simply as the company to provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. XXXX ) A complete XXXX XXXX calculation of this balance, including the complete transaction history on this account, so I have proof that the amount is correct. XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation showing I gave you permission to have my information. XXXX ) A copy of your state license, including license number that gives you rights to collect in my state. XXXX ) The purchase agreement. XXXX ) Swear under penalty of perjury you were present during the alleged debt. In the company 's initial response on XX/XX/year>, they stated ALL the documents I'm asking for is in their possession. I never received such proof. 

On XX/XX/year>, I sent another formal letter to XXXX XXXX XXXX, requesting to cease further communication, since they were unable to provide sufficient evidence of this alleged account of mine. Again, exercising my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) ; a consumer has the right to request a debt collector cease further communication.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (VA)

On XX/XX/year>, I sent a formal letter to Absolute Resolutions Investments stating how reporting information that they know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Specifically, section 607 of the Fair Credit Reporting Act ; Compliance procedures [ 15 U.S.C. 1681e ]. Every step must be taken to assure the information reported is completely accurate and correct. Pursuant Section 611 in the Fair Credit Reporting Act, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], inaccurate or unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account. I respectfully asked the account to be verified, immediately, by providing proof of this alleged item, specifically the contract, note or other instrument bearing my signature ; or be removed from my report. 

No information was provided to me from the company. I simply as the company to provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A complete Audit Trail calculation of this balance, including the complete transaction history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation showing I gave you permission to have my information. 4 ) A copy of your state license, including license number that gives you rights to collect in my state. 5 ) The purchase agreement. 6 ) Swear under penalty of perjury you were present during the alleged debt. In the company 's initial response on XX/XX/year>, they stated ALL the documents I'm asking for is in their possession. I never received such proof. 

On XX/XX/year>, I sent another formal letter to the company requesting to cease further communication, since they were unable to provide sufficient evidence of this alleged account of mine. Again, exercising my right as a consumer under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) ; a consumer has the right to request a debt collector cease further communication.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX, I contacted Transunion because I could not access my credit freeze status online ; I kept getting an error message. The representative I spoke with said I would get a call within XXXX hours to fix the issue. The issue is still not resolved and I can not access my freeze status online without getting an error message.
Consumer complaint received 2018-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

XXXX XXXX XX/XX/XXXX 2017 {$1700.00} I have never enrolled in this school. I have tried to contact them on the matter with little to no information, I have also filed disputes and still nothing. I called the XXXX and started another dispute and now Im waiting. I had started receiving emails from them but had no idea of what they were talking about and the emails just kept coming.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CrossCheck, Inc. (CA)

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agencys online portal but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information needed to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX  Social Security Number : XXXX
Consumer complaint received 2024-08-22
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: Kikoff Inc. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have been dealing with a XXXX XXXX over 15 years her and Experian are in violation of the FCRA this company needs to be held in violation federal mandate laws they refuse to law federal laws violating my civil rights in my first amendment, right refuse to dispute or choice what to delete saying I think your run your credit report making false and inflammatory comments by XXXX XXXX, refusing for all federal law
Consumer complaint received 2024-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (GA)

XX/XX/XXXX I contacted Rushmore Servicing regarding them force placing insurance on my mortgage for XXXX and XXXX received a reply that they had received our insurance documents on XX/XX/XXXX I heard back from them on XX/XX/XXXX. I sent them by e-mail my insurance policies for XXXX and XXXX - XXXX on XX/XX/XXXX. I did not hear from them so I called and after 15 or more tries I did reach the escrow department. I was told that they had not received my policies. On XX/XX/XXXX they requested that I send them proof of premium payments and I sent them over along with a second time both policies for the XXXX and XXXX policies. The last payment they kept for my Mortgage payment was in XXXX. When I sent XXXX they refused the payment same as XXXX, XXXX and XXXX. I can not reach anyone on the phone. I just get recordings and what to connect to but never a person. I am XXXX XXXX XXXX only owe {$36000.00} on my home and I feel they are trying to take it away. When I call and they have my account the recording says my mortgage was released in a bankruptcy and nothing is due on my mortgage but they continue to send that we owe escrow. This is a mess and I don't think they are even trying to get it corrected.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

NCA - {$1200.00} Reported XXXX - XXXX, XXXX, XXXX I do not acknowledge this debt as my own and contest your claim of ownership. I request detailed documentation that proves the debt is legitimately mine. Specifically, please provide : The original signed contract or agreement associated with this debt. 
A complete account history showing how the debt amount was calculated. 
Documentation demonstrating that the debt was legally transferred to your agency or firm. 
2. Litigation Concerns : If there are any ongoing or planned legal actions concerning this debt, please provide the following : Details of any litigation, including case number, court jurisdiction, and status.

Documentation of any judgments or court orders related to this debt.

3. Verification and Documentation Request : Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I request verification of this debt. Please provide : The name and contact details of the original creditor.

Documentation showing that your firm has the authority to collect this debt and any relevant court filings.

4. Cease and Desist : Until you provide satisfactory evidence that this debt is valid and properly assigned, I request that all collection actions be suspended. This includes ceasing any litigation efforts and reporting the debt to credit bureaus.

5. Response Request : Please conduct a thorough investigation and provide a written response with the requested documentation within 30 days from the date of this letter.

Thank you for your prompt attention to this matter. Please consider this letter a formal dispute and request for validation of the debt.
Consumer complaint received 2024-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion Signed up for a free account with Transunion. 
and froze my credit report. 
Account setup, acknowledged by email. 
Unable to access credit report or access the page that shows the status of my credit freeze. 
Both actions results in a message that says... 

" We are having technical difficulties. We appreciate your patience while we resolve this issue. '' When searching for a solution to this problem I noticed that people have been having this issue for the past 9 months. 

Their phone support is cumbersome and poor quality. It discourages use of this free service.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

On XX/XX/year> I initiated a transfer of my XXXX Savings Account ( # XXXX ) funds ( {$1600.00} ), through XXXX via transaction Reference ID : XXXX. Till date no action has been taken to close my account and upon inquiring I was informed by XXXX on XXXX, XXXX  no such request has been received. I have been unjustly charged {$2.00} per month as distribution charges which should not be the case.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (NY)

PLEASE REMOVE THE FOLLOWING HARD INQUIRES : XXXX, XXXX & XXXX UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT V GRAVENS ( MO ) 281 SW 715, 719.719 I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS I PRESUME THAT NO PROOFOF THE ALLEGED DEBT, NOR THEREFORE, ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUNAT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VOLAITING MY CONSUMER RIGHT TO PRIVACY PURSUNAT TO 15 USC 1681 -B2 COMPANY HAS NO PREMISSION TO REPORT MY INFORMATION PER 15 US 16814. 
PLEASE REMOVE THE FOLLOWING HARD INQUIRES :
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I purchased items on XX/XX/XXXX, in the amount of {$400.00}. 
The merchant could not fufill the entire order and returned {$40.00}. 
I recieved the items approximately XX/XX/XXXX. 
Merchant policy is 1 month to ship items back. 
I contacted the merchant XX/XX/XXXX to discuss return process. 
Items were returned XX/XX/XXXX. 
Merchant then closed the ticket XX/XX/XXXX, and stated if further action is needed to contact my bank. The matter is closed with them. 

After some time, I noticed I had still not recieved my refund so I began the dispute with my Credit Card company. The exact date of first dispute is unknown, but the first fax confirmation I have regarding the dispute with my Credit Card company is XX/XX/XXXX. Meaning this dispute has continued for at least 5 months. I have provided shipping details, as well as conversation with the merchant that the ticket has been closed. The Credit Card company is now telling me it's been too long, even though I have been disputing this monthly since early XXXX.
Consumer complaint received 2024-08-19
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: EQUIFAX, INC. (AL)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-08-19
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: EQUIFAX, INC. (NC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-03-31
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. (CA)

The credit reporting agencies are not doing anything in regard to the fraudulent information reported in my credit report. It is unfair that my creditworthiness has been damaged due to this fraudulent activity. 
My personal information got exposed in XXXX of XXXX during the XXXX data breach. Somebody without my knowledge opened up multiple fraudulent accounts by taking my information. 
Additionally, this unauthorized person used an address I had never lived.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My credit union, XXXX XXXX XXXX, notified me of a late payment on my credit report. I knew I was not late on anything, so I looked into it. It turns out, someone took out a fraudulent Capital One card with a {$9500.00} limit, with a late payment reported in XX/XX/year>. They then maxed out the card that is in my name, leaving my with a balance of {$10000.00}. I have nothing to do with this card or its fraudulent activity and would like this resolved as soon as possible. Attachments include the credit union report of the situation showing the fraudulent balance, an XXXX, California " previous address '' of which I have no association. There is also a screenshot of my capital one account, showing no record or association of me with this card through the card 's issuer.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

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Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (FL)

I never gave anyone any verbal, nonverbal written or unwritten Consent to share my information with anyone and I have requested a opt out numerous times and this company has failed to opt me out per the FCRA 15 USC 6892-6805, and The Privacy Act of 1974.
Consumer complaint received 2024-08-21
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: Continental Finance Company, LLC (CA)

Recently saw a credit inquiry on my credit report that I did not initiate. I received a " XXXX XXXX '' in the mail about a week ago that I did not apply for. I've spent hours trying to contact an agent at this company. They have a special prompt that puts you on a forever hold status, saying that an agent will be with me shortly. I get hung up on after I reach the hour threshold. The companies information follows : CONTINENTAL FINANCEXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Deposit check at ATM funds placed on hold. 
Amount XXXX check from XXXX Hold time elapsed; went to withdraw funds. 
Was told they could not honer the check due to being 2 party ( was endorsed correctly ). 

Bank voided transaction ( despite already clearing XXXX account ) locked down account and initiated fraud investigation. 

Citi will not provide copy of check or provide any communication or access to funds