davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Final Request for Securitization Proof, Verification of Debt Ownership, and Cease and Desist Order for Credit Bureau Reporting Account XXXX Dear LVNV FUNDING LLC, This letter serves as my third and final request for proper documentation regarding the debt referenced above. As a consumer, I have rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which I am exercising by demanding securitization proof and verification of ownership for this debt. 

Despite previous requests, I have not received the required documentation. If this final request is not fulfilled, I will pursue all available legal remedies. Additionally, I am issuing a formal cease and desist order requiring that you immediately halt all reporting on this debt to the following credit bureaus : XXXX, XXXX, and XXXX. 

To resolve this matter, I demand the following : Proof of Ownership : Under FDCPA 809 ( b ), please provide verifiable documentation of the current ownership of this debt, including proof of your agency 's authority to collect on behalf of the debt owner. 

Chain of Title : I require a complete chain of title that shows all assignments, sales, and transfers from the original creditor to any subsequent parties, including your agency. This documentation should include transaction dates and the names of all involved entities. 

Securitization Documentation : If this debt was pooled or securitized, provide documents identifying the specific security or trust to which it was assigned. This should include details on transaction dates and all involved parties.

Itemized Breakdown of Debt : Under FCRA 609, I request a complete itemized breakdown of this debt, detailing the principal, interest, fees, and other charges to ensure accuracy in the amount being pursued. 

In accordance with FDCPA regulations, all collection activities must be suspended until you provide full verification of this debt. Furthermore, as noted, you are hereby instructed to cease and desist all reporting related to this debt to XXXX, XXXX, and XXXX until you fully comply with my request. Should you continue reporting or collection efforts without providing proper verification, I will seek legal action for statutory damages of up to {$1000.00} per violation, in addition to actual damages, court costs, and attorney fees as allowed by law. 

If you fail to comply with this final request, I demand that all collection activity cease permanently and that any credit reporting reflect the debt as unverified. 

Please respond with the requested documentation within the legally required timeframe of 30 days. This is your final opportunity to resolve this matter without escalation to legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC. (TN)

To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account ]. I have not received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. SANTANDER CONSUMER USA XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : Auto Loan XX/XX/XXXX Closed Account charged off. {$8500.00} written off. {$9600.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$9600.00} XX/XX/XXXX XX/XX/XXXX 43 % {$9600.00} {$17000.00}
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-06-28
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. (TX)

I discovered that an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be investigated and correct : XXXX XXXX XXXX : {$20000.00}
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/year>, I sent a formal request via USPS tracking number XXXX to LVNV Funding LLC, c/o Resurgent Capital Services XXXX XXXX at XXXX XXXX XXXX, XXXX, SC XXXX. In this correspondence, I requested legal validation of an alleged debt of {$1500.00} that they claim I owe to XXXX XXXXXXXX XXXX XXXX. ( reference ID XXXX ), a debt of which I have no knowledge and do not recognize as mine. 

On XX/XX/year>, LVNV Funding responded with a statement and court filings. However, these documents fail to substantiate my ownership of the debt, as they do not include the required proof, such as a copy of the original agreement with my signature, or any documentation from the original creditor, such as a billing statement or account ledger. 

On XX/XX/year>, I sent a follow-up request via USPS tracking XXXX XXXX, explicitly requesting final validation of this debt, including all necessary documentation to prove ownership, as outlined under Section 809 ( a ) of 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). Despite this, LVNV Funding LLC failed to provide the legally required documents within the mandated 5-day period. 

Moreover, according to the XXXX XXXX Department of Consumer Affairs, LVNV Funding LLC is not licensed to collect debts within XXXX XXXX, New York, where I reside. As you are aware, this is a legal requirement for any debt collection activity in this jurisdiction. LVNV Funding LLCs continued attempts to collect this debt and report it to all three major credit bureaus without proper validation and licensing not only violates local laws but also federal laws, as they are attempting to collect debt across state lines. 
I respectfully request that the Department of Consumer Affairs take immediate action to address these violations. Specifically, I ask that you enforce the removal of this illegitimate debt from all credit bureaus and hold LVNV Funding LLC accountable for their failure to comply with both FDCPA guidelines and XXXX XXXX licensing requirements. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I filed a dispute for an account listed as XXXX XXXX on my Experian credit report, as the account contains MULTIPLE METRO 2 CODE VIOLATIONS and does NOT meet The XXXX  's XXXX. Instead of removing the account, Experian made no changes, and resolved the dispute. I have since reopened another dispute. Along with this complaint, I will be providing a report outlining ALL the reporting code violations associated with this account. I demand this account be deleted due to non compliance, and inaccurate reporting. As you will see in the report, there are SEVERAL inaccuracies reported across ALL XXXX bureaus on this account. This is NOT IN COMPLIANCE WITH REPORTING GUIDELINES AND STANDARDS AND THIS ACCOUNT MUST BE REMOVED. My next contact with Experia will be a formal letter of notification of my intent to take legal action, known as a LOITS notice. To be clear, you must demonstrate full compliance with all requirements and standards of FCRA and XXXX 's Metro2 Compliance mandates. I demand this account be deleted from my report.
Consumer complaint received 2024-10-23
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: Experian Information Solutions Inc. (IL)

I have multiple inquiries on my Experian account that I did not do can XXXX  please remove these off my file they has cause pain in suffering to me these are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
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: Experian Information Solutions Inc. (CA)

To : Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Reporting Loan Transactions in Compliance with XXXX XXXX Format for Consumer Report of XXXX XXXX Dear Experian XXXX, I am writing to formally request the inclusion of loan transaction data on the consumer report for XXXX XXXX, whose details are listed below. The loan in question is being reported in compliance with XXXX XXXX formatting standards and aligns with your policies for reporting closed-end, unsecured loans with collateral. Please ensure that this data is correctly reflected in the consumer 's credit file. 

Borrower Details : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( if applicable ) : XXXX Loan Details : Account Number : XXXX Loan Amount : {$10000.00} Interest Rate : 0 % Loan Type : Closed-End, Installment Loan Payment Schedule : XXXX monthly installments of {$3300.00} First Payment Date : XX/XX/XXXX Loan Status : Active as of XX/XX/XXXX ( Partial Release of Collateral ) Collateral Information : Element XXXX Smart TV, Serial No. : XXXX XXXX XXXX XXXX Smart TV, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX : XXXX, License Plate : XXXX Payment History : First Payment Date : XX/XX/XXXX - {$3300.00} ( Cash ) Status : Paid in Full, resulting in partial release of Element XXXX Smart TV as collateral. 



Please report the loan status and payment history in accordance with XXXX XXXX guidelines using the following parameters : XXXX. Account Status Code ( XXXX ) : XXXX, performing XXXX. Payment Rating ( XXXX ) : XXXX ( Current ) XXXX. Special Comment Code ( XXXX ) : Loan secured by collateral XXXX. Account XXXX ( XXXX ) : XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX ( XXXX XXXX ) : Reflect current, timely payments. 


XXXX. Date of XXXX XXXX ( XXXX, if applicable ) : N/A, account is current. 



This data reflects accurate reporting for XXXX XXXX and is based on documented loan agreements, security interests, and payment records already filed with the State of California ( XXXX Financing Statements ). Please update the credit file for XXXX XXXX accordingly. 

Thank you for your attention to this matter. Please confirm once the data has been added to the consumer report, and feel free to reach out if any further documentation is needed to facilitate this request. 

Sincerely, XXXX XXXX XXXX XXXX Ct XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX
Consumer complaint received 2024-10-29
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX SSN # : XXXX Date : XXXX Dispute of Unauthorized Credit Inquiries. 

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. 

Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2024-10-29
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. (SC)

The following accounts were opened fraudulently using my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and XXXX XXXX XXXX XXXX XX/XX/XXXX. The following inquires were also made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported, those accounts, collections, or hard inquiries were not opened, made, or initiated by me. These accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission. In accordance with 15 USC 1681 c-2 c ( a ) and section 605B of the Fair Credit Reporting Act, it is imperative that you, as a credit protection agency , take immediate action to block and remove all information associated with this identity theft from my credit report. This statue mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes fraudulent information.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (SC)

In XXXX, a checking account was opened in my name with Wells Fargo. I was made aware of this account via an email from Wells Fargo, a letter sent via XXXX from Wells Fargo and an email from XXXX noting that there was a credit check related to the checking account. I contacted XXXX to remove the credit check and have my credit report monitored for future activity. I then contacted Wells Fargo to inquire about the checking account. I asked them to close the account which, after several conversations, they did. 

In XXXX of this year, I received a debit card associated with a different checking account. Again, after several conversations, Wells Fargo " closed '' the account. 

During my latest dealings with Wells Fargo, I was made aware that around XXXX the bank was fined a a large sum of money for illegally opening accounts to defraud investors. Based upon my recent experiences, I believe the practice is still occurring.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports