davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
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: Resurgent Capital Services L.P. (GA)

I am writing to formally dispute the validity of the account referenced above, which has been reported to my credit file. I believe this account is inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Inaccurate Reporting ( 15 U.S.C. 1681b ) : Under the FCRA, I am entitled to accurate information being reported. The details of this account are not correct, and I request that you provide verification of the debt.

Consumer Reporting Information ( 15 U.S.C. 1681b ( 2 ) ) : I assert that your reporting does not meet the requirements stipulated in this section, as you have failed to provide a permissible purpose for obtaining my consumer report.

Validation of Debt ( 15 U.S.C. 1692g ) : According to the FDCPA, I request that you provide verification of the debt, including the amount owed, the name of the creditor, and documentation that supports your claim. Without this information, I will consider the debt invalid. 

Cease Communication ( 15 U.S.C. 1692c ) : I request that you cease all communication regarding this account until you provide the necessary validation as outlined above. Continuing to pursue this matter without proper validation may constitute harassment under the FDCPA. 

Please respond to this letter within 30 days of receipt. If you are unable to provide the necessary documentation, I request that you remove this account from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-09-26
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. (CA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-10-21
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: CITIBANK, N.A. (FL)

I have fraudulent charges in this account. 
I am requesting all credit card statements since I am have opened the account. 
The company Did not provided the Credit Card Statements. 
XXXX did not contact the company with accuracy to see the unauthorize charges and fraudulent events in my account.
Consumer complaint received 2024-10-16
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. (TN)

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 2024-10-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

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 2024-10-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

I opened a No Fee CD with Marcus by Goldman, transferring funds from a savings account that I, at the time, held with XXXX. I was forced to close my XXXX XXXX  accounts due to an external issue with a previous co-signer. I opened new accounts at XXXX. I then ran into an issue where I needed the money from the No Fee CD asap - unexpected home repair - I spent hours on the phone with Marcus by Goldman, speaking to several different reps from customer service and securities division, my transfer kept getting cancelled over and over due to " Fast money movement. '' I explained the situation over and over, we 3-way called XXXX XXXX  to verify that the account was closed, and I was told I was all set. I sent the transfer over, to my external account and kept getting it declined. I was lied to over a recorded line, several times, and unable to rapidly access my No Fee CD. The terms say " Withdrawals permitted starting XXXX days after the funding date. " I can not wait for a check as I need to pay a contractor ASAP to get my heat working at my house.
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

15 U.S. Code 1681c- 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items immediately. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In General Sub to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY.

15 USC 1681 ( e ) b, 15 US Code 1601, 15 USC 1681s-2, FCRA 605B, 15 USC 1666B , 15 USC 1681 sec 602 & 604A sec 2 . 15 U.S. Code 1681c- 2, 15 USC 6802, 18 usc 1028A Unauthorized Accounts : Midland Credit Management , Account numbers ; XXXX and XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy.

Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 
XXXXXXXX XXXX XXXX
Consumer complaint received 2024-09-03
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. (MN)

I didn't consent or signed off on any debt to be handled by a third party. I also paid off debt that still shows on my credit which should of been deleted. Also to include that my social has been breached as well as millions others like me who are now under 15 usc 1681 because of this. Which Disclosure of consumer reports Consumer reporting agencies can not prohibit users from disclosing the contents of a consumer report to the consumer, in which they have.
Consumer complaint received 2024-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

I am filing this complaint due to the lack of proper loan verification and failure to provide requested documentation by AidVantage. 

In the summer of XXXX, I began receiving letters from AidVantage stating that I owe approximately {$23000.00}. I have not taken out any student loans in over seven years, and to the best of my knowledge, all previous student loan debt had been fully repaid. 

On XX/XX/XXXX, I contacted AidVantage to request verification of the loan, including a copy of the Master Promissory Note, as well as documentation of any prior attempts to contact me before XXXX. I was informed by the representative that, if available, the requested documents would be mailed by XX/XX/XXXX and should arrive within XXXX business days, by XX/XX/XXXX. However, despite these assurances, I have not received any of the requested information. It has been over 60 days since that request. 

AidVantage has claimed that they left messages in my online AidVantage portal since XXXX. However, I did not create a portal until XX/XX/XXXX, when I began receiving paper notices and started investigating the matter. 

It has now been over 60 days since I submitted my request, and AidVantage has not provided any documentation verifying that I took out these loans or any proof of communication prior to XXXX. 

I am seeking assistance in resolving this issue and request that AidVantage provide the appropriate documentation or cease their attempts to collect this debt.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

LVNV funding LLC is stating I owe them money and showing in collection on my credit file. This is identity theft and I have no knowledge of this account nor have I signed a contract or anything showing my signature with LVNV funding LLC. This is fraud and should be deleted off credit files and account closed and removed.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

As a collection agency, you are not legally authorized to report month-by-month payment history. Such reporting is reserved for the original creditor, and attempting to reflect payment activity on a collection account is misleading and deceptive. A collection account should only show the current status, such as " In Collections, '' " Closed, '' " Paid in Full, '' or " Settled. '' Reporting false or misleading information, such as a payment history on a collection account, violates 15 USC 1681e ( b ), which requires that all information reported must be 100 % accurate. In addition to this violation, the balance of {$770.00} that is being reported on this account is not the same balance that the original creditor provided to me. This improper reporting creates confusion and misrepresents my credit profile. Therefore, I am demanding that you remove account XXXX from my credit report. I have attached the account to show the erroneous reporting.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Dear Sir or Madam : RE XXXX XXXX XXXX I am a victim of identity theft. The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I was a victim of the XXXX XXXX XXXX. At no time did I apply for any credit products from XXXX. This account and any inquiries associated with this account as a result from the identity theft should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block and remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : 1 ) Identity Theft Report Proof of identity 2 ) a copy of my drivers license/other government-issued identification card/other ] 3 ) Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc. (TX)

To Whom This May Concern, Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I am requesting validation of this debt. Please provide complete information on the original creditor, original account number, the date this account was open, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges.

If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request.

At this time I dispute the validity of this debt under 15 USC 1692. Please verify this debt in writing and provide all imformation requested above within 30 days. 
If validation is not provided, I will expect this item to be removed from my credit report and further collection activity to cease.. 
Sincerely,
Consumer complaint received 2019-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (TX)

On XX/XX/2019 I mailed a letter to RS Clark & Associates requesting that they validate an alleged debt that they were reporting to a credit bureau in the amount of {$200.00}. 

They replied on XX/XX/2019 with what they called " the information validating the debt as required by law '' which had my first/last name ( which also happens to be my ex sister in-law 's name ), account number, and amount of {$200.00}. They also included a page which was titled " collections write-off utility detail report '' with the amount of {$200.00}, it appears to be from the original company of the alleged debt, it says page 12, but this is the only page they sent me from the original company. They also sent an informational 2 page brochure/print out about privacy and health information. The information they sent me on XXXX XXXX was not sufficient information to validate this account. 

I sent a reply letter on XX/XX/2019 stating that they did not provide me adequate information needed to validate the alleged debt and that I would file a complaint if they continue to ignore my request.

RS Clark & Associates replied on XXXX XXXX stating that they are considering my request to be frivolous per the FCRA definition. They stated that they previously responded and fulfilled their duty and verified the disputed information.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : still reporting them as accurate you need to cease and desist this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

Before opening a checking account for a promotion, I needed to make sure I understand the limitation correctly. The limitation was : You are ineligible for the respective bonus if : You have received a bonus for opening a Wells Fargo Premier Checking account within the past XXXX XXXX 
You have received any other consumer savings offer bonus or promotional rate that required a bonus offer code within the past XXXX XXXX 
I needed to find out specifically, when the 12 months period starts, as it was not clearly and explicitly stated In the clause, compare to other banks, which use the same limitation and clearly state in the clause, when the 12 months period starts ( XXXX XXXX, for example ) ( Exhibit 6 ). 

Today, on XX/XX/year>, at XXXXXXXX XXXX XXXXXXXX, I spoke to XXXX XXXX customer service banker, Premier customer service at : phone : XXXX She did advise that the branch is the best to find out all the details, however, when specifically asked, expressed full confidence that she can explain the interpretation of the clauses, and even stated when asked that I can reference her interpretation as legally binding for Wells Fargo as stated by its representative. 

She clearly, multiple times confirmed on recorded line that the 12 months period mentioned in both clauses STARTS from the day of OPENING of the previous account, I.e. 12 months between the dates of OPENING of the previous account and the next one. The conversation was recorded and can be confirmed. 

I request Wels Fargo to CLEARLY address, whether the statements above made by the Wells Fargo representative mentioned are correct specifically that the 12 months limitation period begins from the date the previous account was opened. 

.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.