davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

This account listed on my XXXX report only showing account number -- XXXX which is a scrambled version of the account ending XXXX. This account has not updated on XXXX since XX/XX/2024 and the balance at the time was {$1000.00}. The balance now XX/XX/2024 is {$200.00}. A vastly different amount the history of the last XXXX  months and the payments are also missing. I have asked repeatedly to have this updated. I am constantly ignored.
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (VA)

Re : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX Account # : XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW 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 VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2024-09-25
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: EQUIFAX, INC. (FL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

XXXX violates FCRA regulations by reporting the same adverse account TWICE : THERE ARE SAME ACCOUNTS REPORTED NEGATIVELY ( XXXX XXXX ACCOUNT XXXX AND XXXX XXXX XXXX XXXX are the same account ). Not only that that same account has inaccuracies since they display different data, which XXXX " SUPPOSEDLY '' investigated and then re-investigated, which looks like very DISHONEST, AND DECEPTIVE PRACTICE by private company which XXXX is and with which I have NO CONTRACT WITH, AND WITH WHICH I REVOKE ANY CONSENT- ORAL, WRITTEN, IMPLIED OR OTHERWISE AS OF NOW TO REPORT ANY OF THOSE TWO ACCOUNT ON MY BEHALF. Additionally LVNV FUNDING LLC is a charge off account, but XXXX DECEPTIVELY continued to report it as a charge off every month and in this manner updating it monthly. Charge off account should not have any updates after it was charge off. This inaccurate information falsely manipulates statute of limitations, and proves that XXXX DID NOT INVESTIGATE AND RE-INVESTIGATE THE ACCOUNT. Furthermore, XXXX has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Consumer complaint received 2024-10-19
Product: Debt collection — Other 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. (NV)

I dont believe this collection is valid. I reached out to the debt collector asking to have documentation supporting I owed this debt to them. Including a purchase agreement. It has been over 37 days and I have received nothing supporting or validating that this debt is owed to them.
Consumer complaint received 2024-10-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

In XXXX of XXXX  I had tried to transfer money from my Marcus savings account at Goldman Sachs to an external account at XXXX XXXX. It was a small amount and generally would be transferred in a day or two. The never transferred from Marcus to XXXX but I did see that the transaction was reversed ( or didn't go through ). 

I didn't really think much of it and funded my money from a different account and went on with life. 

Fast forward to about XX/XX/year> and I saw that my account at XXXX XXXX XXXX XXXX charged me for an insufficient funds fee when I had a monthly payment deducted from that account but didn't have enough money to cover it. Upon further investigation I realized that Marcus by Goldman Sachs hadnt sent my pre-existing setup monthly transfer from Marcus to XXXX. 

I called Marcus to let them know about this issue I saw and they told me my account was frozen. I said how can you freeze my account without notifying me about it by making a warning message or alert when I logged in to their account online either via web or their app. They couldn't explain it other to say " we called you but you didn't answer ''. 

I told them I never received a call and didn't think it was right they could freeze my account without making me aware of them doing that since I had been a customer for many years and I had a monthly transfer setup to XXXX for about 1-2 years without prior issues. 

I asked them to refund my fee from XXXX since it was their fault they didn't transfer my money. They asked me to get the following information and mail it to them, which I did : Statement, my last name, purpose of fee, etc Goldman Sachs bank USA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Case : XXXX ** Mailed on Tuesday XX/XX/year> from XXXX XXXX They ended up denying my request for reimbursement. I called them up and asked them why and they said " because we had called you ''. I reiterated to them that I never received a call nor did I see any warnings, statements, us mail or alerts that my account was frozen. They said sorry this decision was final. 

I voice my frustration with the person on the call but literally felt like Goldman Sachs is making XXXX  of dollars in their banking services but can't even refund a long time customer for a fee that was the direct result of an action they took on my account without successfully notifying me of an issue. 

Today, months later, I was watching a XXXX show about a bank called XXXX and people being scammed and they suggested to contact the XXXX XXXX  for help. I thought maybe there is something like that in the USA where I can get help and did a search and found the CFPB.
Consumer complaint received 2024-09-25
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: EQUIFAX, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: StellarFinance, Inc. (TX)

I am writing to dispute the inaccurate reporting of payment information on my credit report. Specifically, your company has reported 30-day late payments for XX/XX/year> and XX/XX/year>, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). This information is incorrect and must be removed immediately.

Furthermore, I have confirmed that Stellar Finance 's business registration is inactive in the state of Texas, and the companys right to transact business has been forfeited. As such, Stellar Finance lacks the legal authority to report any account or conduct business activities within the state. 

Additionally, I previously informed your company that my personal information was compromised in a data breach, and no efforts were made to properly verify the legitimacy of this account. I have attached business registration details and data breach documentation to support my dispute. 

Outside of these issues, the account must be removed for the inaccurate payment history alone, which I have also included for your reference. 

Please take immediate action to correct these errors and remove this account from my credit report. I expect written confirmation of the removal within 30 days, as required by law.
Consumer complaint received 2024-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SECURITY FINANCE CORP (LA)

I am writing to formally dispute inaccurate information that appears on my credit report concerning my account with SECURITY FIN ( Account Number : XXXX ). After reviewing my report, I have identified several inconsistencies and inaccuracies that need to be corrected immediately. 

Here is the inaccurate information currently reported : XXXX. Date Last Payment : Reported as XX/XX/XXXX and XX/XX/XXXX Both dates are incorrect. 
XXXX. Date Last Active : Reported as XX/XX/XXXX and XX/XX/XXXX These dates conflict and are inaccurate. 
XXXX. Last Reported : Reported as XX/XX/XXXX and XX/XX/XXXX XXXX or both dates are incorrect. 

I request that you investigate these discrepancies and correct the inaccurate information to reflect the correct data. In accordance with the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and resolution to this matter. 

Please notify me of the outcome of your investigation and provide an updated report once the corrections have been made.
Consumer complaint received 2024-10-19
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: SYNCHRONY FINANCIAL (TX)

XX/XX/year> purchased a brand new generator for {$1500.00} Approximately XX/XX/year> generator arrived with clear shipping damage, tested generator same day and contacted reseller They refused refunding or replacing citing the generator was powered on despite it not arriving originally in the condition purchased, offered only {$150.00} as credit. This resolution was not acceptable and advised against by manufacturer approved service centers local to me ; who advised that the generator part that was damaged can create a safety risk in operating it and reseller should be able to fix/replace regardless of use.

Opened credit card dispute around XX/XX/year> after still getting an unsatisfactory resolution with Paypal dispute. Paypal policy for refund requires return shipping, received quotes for {$1200.00} to ship generator which makes this unfeasible.

Approximately XX/XX/year> got notification of digital letter from credit card company and noticed reverse charge {$1500.00}. The portal to manage the credit card does not allow digital letters to be viewed as it has not been implemented yet by Paypal. Spoke with credit card customer service who advised a paper copy should also be coming shortly and asked for reasoning of dispute being cancelled. Rep cited that the seller showed proof the generator was sent to us, I advised that the dispute was not for none receipt but for damaged product being sent. Rep apologized and advised to reopen dispute and advised they will make the reasoning more explicit.

Approximately XX/XX/year> dispute was closed again, spoke with customer service rep who advised they can not speak about the reasoning and I should be receiving a paper copy. I advised that I have yet to receive any paper/mailed information of the first dispute cancellation. They advised to be patient and it will arrive for both eventually.
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supplyme with a contract or agreement signed with your company or the Creditor.PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITORVERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TOCOLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THATYOU CLAIM IS OWED.ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROMTHE ORIGINAL CREDITOR TO THE CURRENT CREDITORPLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BYTHE ORIGINAL CREDITORPLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINALCREDITOR TO THE SECURED TRUST AND THEN BACK TO THEORIGINAL CREDITORPLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOUHAVE VALIDATED THE DEBT.Please do not look at my credit report or report anything to my credit I dispute I owe thisdebt amount to you and that dispute should be stated on my credit report if you have reportedthis debt.PERMISSABLE PURPOSEPlease State why you have a permissible purpose to contact my credit. I disputethis. IF YOU PASS THIS ON TO ANOTHER COLLECTORI dispute I owe this debt to you. If you pass this on to another debt collector, please providethem notice of my dispute to owing this debt. Thank youfor your immediate cooperation.the XXXX
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/XXXX, I sent via certified mail with return receipt a request for LVNV to cease and desist communication with me invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, which regulates communication practices by debt collectors. I further instructed them to consider that letter as a formal dispute of the debt associated with the referenced account number ( Resurgent ID - XXXX, {$3100.00} ) and requested FULL validation. To this date, I have not received full validation as required. On XX/XX/XXXX, LVNV responded via letter per USPS with one XXXX  XXXX statement dated XX/XX/XXXX and a history of ownership where the account was sold to XXXX different companies all on the same day, XX/XX/XXXX.
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

I made a payment of {$75.00} on XXXX for my XXXX bill. On XX/XX/XXXX I received an email stating I had a payment due on XX/XX/XXXX. Unfortunately, I did not read my email until late in the evening. When I checked my checking account the payment was taken out on XXXX so they had received the payment. I called the company on XX/XX/XXXX told them I had made a payment on the XX/XX/XXXX. She checked into and told me that yes, she saw where I had made the payment. I told her that was my XXXX payment. She told me no the company considers that a XXXX payment because my billing cycle runs until the XXXX. I said how am I supposed to know that, since you have quit mailing paper bills. She said I should be getting an email bill. I said I really don't know if I do or not. So, they are charging me {$30.00} late fee. I do not feel I was late because I had paid it ahead of time.
Consumer complaint received 2024-10-17
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: Exeter Finance, LLC. (GA)

This account was charged off in XX/XX/year>. Since then the account has been reportedly updated as charged off every month. This is an update in payment history. A charged off account should not include an active Payment history. This inaccurate information Falsely manipulates the Statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : EXETER FINANCE LLCXXXX
Consumer complaint received 2024-09-25
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. (AZ)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-19
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AMERICAN HONDA FINANCE CORP (AZ)

I am writing to file a formal complaint against XXXX Acura XXXX XXXX, operated by XXXX XXXX, regarding a serious case of fraud and forgery involving an employee named XXXX XXXX. This case involved unauthorized alterations and duplication of a vehicle lease agreement that was fraudulently signed in our names. 

Incident Description : On XX/XX/year>, my wife and I entered into a vehicle lease agreement with XXXX XXXX XXXX XXXX. Without our knowledge or consent, a second fraudulent contract was created by XXXX XXXX on XX/XX/year>, which included terms we never agreed to. This fraud was only discovered at the end of the lease term due to additional unexpected fees being charged. 

Discovery and Subsequent Actions : Upon discovering the forgery, we filed a police report with the XXXX, Arizona Police Department, which was forwarded to the XXXX Police in California. However, this case was not pursued due to other ongoing police priorities. We also reported this incident to the XXXX Investigations Department, who confirmed the fraud but did not press charges due to the lack of an eyewitness. 

Additionally, we filed a fraud claim with Acura/Honda Financial , who after their investigation, confirmed the contract was fraudulent and removed the associated credit line from our credit reports. Unfortunately, this action resulted in a significant drop of over XXXX points in my credit score, further compounding the financial damage we have suffered. This significant drop impaired my ability to purchase another vehicle and caused my insurance cost to rise significantly. Importantly, Acura/Honda Financial has declined to refund any payments made under the fraudulent contract. 

Advers Action by Honda/Acura Financial : While we were actively seeking resolution, Acura/Honda Financial proceeded to repossess the vehicle, exacerbating the situation and leaving us without a critical means of transportation since we are a one vehicle household.

We trust the CFPB will take immediate action on this matter, which not only involves financial exploitation but also significant distress and damage to our financial standing. 

We have documents supporting our claims, evidencing the discrepancy between the original contract and the forged documents. The file is large and over XXXX megabites in PDF format. I attempted to upload the files and they will not upload, even when the file size was reduced.
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I am writing to dispute a fraudulent account that is being reported by I am writing to dispute a fraudulent account that is being reported by LVNV FUNDING LLC for XXXX XXXX XXXX  on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that LVNV FUNDING LLC for XXXX XXXX XXXX  cease reporting this account and remove it from my credit report as soon as possible. 

I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.