davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (FL)

the reporting agency Equifax has been continuously disrespecting my rights and has no respect for the law, professional credit services which is another reporting agency has requested for this account to be delete since XX/XX/2023 because of my complaint with the cfpb complaint XXXX XXXX and XXXX as shown in the attachments and today is XX/XX/2023 and the account has still not yet been deleted the company had to follow up again on XX/XX/2023 because of my recent complaint again in this month of XXXX with the XXXX complaint and I have been getting this BLNK error for over 6 month and have not been able to access online credit freeze or lock while my family and friends can access theirs which is really unfair I just want to be treated like a rightful citizen of America and Equifax should compensate me for this distress or my lawyer will be reaching out.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Subject : Dispute and Cease and Desist Regarding Incorrect Late Payment Reporting To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my account with Capital One Auto Finance. The auto loan associated with this account has been fully paid off ; however, your company has incorrectly reported late payments to the credit bureaus. This inaccurate reporting has negatively impacted my credit profile, and I am requesting that this matter be rectified immediately. 

Please be advised that I have reviewed my payment history, and the late payments currently reflected on my credit report are incorrect. As such, I request that you provide a detailed breakdown of the payments and any associated dates that you believe were late. Additionally, if you are unable to validate this information, I ask that you promptly remove these inaccurate late payments from my credit report and notify all relevant credit bureaus of the correction.

This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s-2 ( a ), which requires furnishers of information to provide accurate information to consumer reporting agencies. Failure to correct these inaccuracies promptly may result in legal action to protect my rights.

In light of this, and until this matter is resolved, I am also requesting that you cease all further collection efforts or communication related to this account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I am exercising my right to demand that you cease any further contact unless it is to inform me that further collection efforts are being terminated or to provide information regarding specific legal remedies your company intends to pursue. 

Please take this matter seriously, as continued reporting of incorrect information constitutes a violation of federal law. I will not hesitate to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (NY)

On XX/XX/year> I received a debit card in the mail from BMO bank. I called the number to inquire, but the person who answered sounded like an XXXX XXXX, so I did not provide any information and hung up. On XX/XX/year>, I received another piece of mail from BMO. I googled their number and called on XX/XX/year> and spoke to someone to ask if there was any account with my name and address on it at the bank. The person I spoke to did not find any accounts with my information on it. On XX/XX/year>, I received a check book with the BMO account on it. I called BMO an hour later after I initially called them and gave them the account info and asked what accounts were opened in my name and why they couldn't find any accounts when I called them an hour earlier. They said that they could not provide me with any account information, but that they would close the account with the number I provided with them. I do not bank with BMO and have never opened an account there. They did not provide me with any confirmation number or any other confirmation or case number, other than telling me that yes they did close this fraudulent account.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION (FL)

My account with Suncoast Credit union was hacked on XX/XX/XXXX. They emptied my account of {$XXXX}. The XXXX XXXX only returned {$XXXX}. They refuse to pay the rest back. I've spoken to representatives daily. They claim because it was done using a digital wallet there's nothing I can do. I need help
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (GA)

I am filing a complaint against LVNV Funding LLC regarding a collections account for {$1400.00}, originally from XXXX XXXXXXXX. Despite my inability to repay this debt, LVNV Funding LLC continues to report this account on my credit report, which is causing substantial and ongoing harm to my XXXX XXXX. 

LVNV Funding LLC has been harassing me with daily calls from different phone numbers, which violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d, prohibiting conduct that results in harassment, oppression, or abuse. These actions are causing significant XXXX  and XXXX  
Furthermore, LVNV Funding LLC has not provided proper validation of this debt as required by the FDCPA, 15 U.S.C. 1692g, including proof of the original agreement with the creditor and their legal right to collect. Without this validation, their continued reporting of the debt is misleading and harmful. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2, creditors and collectors are obligated to ensure the accuracy of the information they report. The ongoing presence of this unvalidated debt on my credit report is both inaccurate and unfair. 

I request that LVNV Funding LLC immediately cease all collection activities and remove this account from my credit report to correct the ongoing inaccuracies.
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery is trying to collect {$470.00} with me about a fake debt account they put on my credit report. 
Address and contact on their report are fake and I don't have any debt with this company. 
I tried to send them my identity thief report but they don't want.
Consumer complaint received 2024-08-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IL)

On the XXXX of XX/XX/year> we purchased a XXXX  XXXX XXXX XXXX from XXXX XXXX in XXXX Illinois, using Hyundai Financing for the amount of {$45000.00} at 6.39 APR. 
We asked while at the dealership whether there would be any charges for prepayment and was told the there would be no penalties. 
After this purchase we found and took a better deal, which resulted in this contract being paid off. So we sent them a check for the full amount ( {$45000.00} ). 
They verified receipt of the payment on the XXXX of XXXX, but as of XXXX they never sent us the Title. 
We called to inquire why and they said that they were due additional charges for interest. 
As such they sent us an additional bill for {$230.00} and according to the bill that they sent us, they also plan to bill us again for an unknown amount. 

We told them that that wasn't what we agreed upon and they said that if we don't pay these extra charges then they would not release and send the vehicle title to us. 

We paid the {$230.00} just to get the title but marked the check " Paid in Duress '', in an attempt to resolve this.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, 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. (CA)

This was my fifth complaint informing Equifax Bureau that I was a victim of identity theft and this is another request to block and remove the remaining fraudulent inquiry from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block and remove any items not later than 4 business days after the ( XX/XX/2023 ). Ive already included this report in my previous letter & I am including it again. Whats more, the details that the Equifax Bureau provided in this remaining inquiry was UNKNOWN to me and this inquiry was already REMOVED from other bureaus and so I have doubts about the reporting accuracy you had with regards to this inquiry : EQUIFAX : XXXX XX/XX/2023
Consumer complaint received 2024-08-17
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had it with cfpb and khols first off you guys know consumer law per 15 us code 1602g the consumers are the creditors so with my signature and social on the application it becomes a security so my name and ssn # is the begining of extending credit kholes so my SSN strictly states not for identification purpose then why ask so using my credit flipping it around and acting and illegally doing such is 42 us code 408 and you know these violation and that they are doing so I for one want to take action for identity theft and fraud securities fraud potentially as well and I want this off of my credit report and I want monetary compensation for this to the maximum and I'm going after you to the cfpb because you know these rules are in place and you see this happening constantly and you do nothing about it you know that we're the creditors you know that it's illegal to ask for our social security number you know that it's illegal to do a lot of things you see it all the time and all you do is investigate no that's XXXX you're going to do more than investigate on this one
Consumer complaint received 2024-08-17
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: GOLDMAN SACHS BANK USA (CA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Debt Validation and Assignment Contract Dear LVNV Funding LLC, I am writing to request validation of a debt that you claim I owe. In particular, I am seeking to verify the legitimacy of this debt and your authority to collect it. To this end, I request the following information : Proof of the Debt : Please provide a detailed statement showing the amount owed, including any interest, fees, or other charges. 
Name of the Original Creditor : Please provide the name and contact information of the original creditor to whom the debt was originally owed. 
Assignment Contract : Please provide a copy of the assignment contract or any documentation that shows that the debt has been legally transferred or sold to your agency. This should include any relevant details proving your right to collect on this debt. 
Details of the Account : Please provide account numbers or any relevant account details associated with this debt. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide this information within 30 days of receiving this letter. During this period, please cease all collection activities until you have provided the requested validation. 

Please respond to this request in writing to the address listed above. If you are unable to provide the requested documentation, please acknowledge that you will cease any collection attempts and remove any negative information related to this debt from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Slovin & Associates Co., LPA (OH)

I called on XX/XX/year> at XXXX XXXX XXXX. The call lasted XXXX minutes. I was calling to try to figure out what debt this was. I requested the information via email on XX/XX/year> at XXXX. I sent a copy of the email via Fax on XX/XX/year>. Tracking from the Fax shows they received the fax. I emailed a few more times. I sent a copy of the email via mail on XX/XX/year> with tracking. Tracking shows they received the letter. I called again on XX/XX/year> at XXXX XXXX XXXX to give the dispute via phone and they refused to accept it via phone even though the letter sent to me on XX/XX/year> says that I can call to dispute. They referred me to email again to file the dispute. I have contacted them by every single means they have available to contact them and they are not sending the information. I don't think they have the information and are planning to collect on debt by XX/XX/year> and avoid my dispute.
Consumer complaint received 2024-08-18
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 (NY)

On XX/XX/year> I purchased a XXXX dollar gift card from XXXXAmerican Express. I ask the cashier if she was sure the card was activated and she said yes I left the store and placed it birthday card and later that day I went and tried to use the card and it keep reading error so I called the customer service and that told me to check back at the store to make sure the card was activated so I went back and was told they couldnt do anything because I already left the store and I called back then all of a sudden the card has nothing on it and on top of that the card was used half way across the country and I know I didnt use it because I still have the receipt and physical card
Consumer complaint received 2024-07-15
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. (TX)

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized or agreed to have this information linked to my name, as I have been a victim of identity theft.
Consumer complaint received 2024-03-29
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. (TX)

This credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that I didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

Account number : XXXX I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 15 US Code 1692 ( g ), 15 US Code 1681 S2
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the 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 XXXXXXXX, Has violated my rights. 
15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info. 

FTC Report XXXX : XXXX
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (OH)

Dear Debt Collector, 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 : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. 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 2024-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Empower Finance, Inc. (FL)

XXXX XXXX XXXX Account Number : XXXX Date of birth : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX Todays date : XX/XX/XXXX Empower Finance XXXX XXXX XXXX, Floor XXXX, XXXX XXXX, California XXXX Re : Disputing error [ XXXX ] on credit report Dear Empower Finance, I am writing to request a correction on the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : -Account number XXXX XXXX XXXX, XXXX -The report shows that I currently owe money to your company, which is inaccurate. On multiple occasions, I have attempted to contact your company via email and phone call to determine the exact details of this debt that is currently on my credit report. Your company has failed to find this debt and allow me to legally pay the debt if it was mine. On XX/XX/XXXX, I sent an email to Empower Finance asking what this debt is that has been reporting to my credit report. This debt collector has been negatively affecting my credit and reporting as so. The company stated they sold this debt to another third party debt collector. They provided the number so I can call the third party debt collector. I called the third party debt collector ( Trueaccord ) on XX/XX/XXXX who informed me via email and phone call that they transferred this debt back to Empower finance ( the original debt collector. ) I then forwarded that email to Empower on XX/XX/XXXX indicating that XXXX does not have this debt that they are claiming I owe. XXXX emailed me back on XX/XX/XXXX stating that they would work on the issue. I then called Empower again on the XXXX of XXXX and advised me that they would have a supervisor returning my call to expedite the handling of this lost debt. This account is negatively affecting my credit and is falsely reporting as opened. It is affecting my credit decisions. Please delete this debt. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX