davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (TX)

Dear CFPB Representative, I am writing to file a formal complaint against LVNV Funding LLC regarding their failure to validate a debt that they claim I owe. I have serious concerns about the legitimacy of this debt and believe that LVNV Funding has not complied with the requirements of the Fair Debt Collection Practices Act ( FDCPA ) in providing sufficient validation. 

Details of the Issue : 1. Background : On [ XXXX/XXXX/2024, I received a collection notice from LVNV Funding LLC claiming that I owe a debt in the amount of [ XXXX ]. 
I promptly sent a written request for debt validation to LVNV Funding on [ XX/XX/scrub>/2024 ], in accordance with my rights under the FDCPA. 
2. Failure to Provide Adequate Validation : Despite my timely request, LVNV Funding has not provided adequate documentation or proof that I am indeed responsible for this debt. 
The information they have provided is insufficient and does not meet the FDCPAs requirements for validation. Specifically, they have failed to provide : A copy of any original contract or agreement that I allegedly signed. 
A detailed account of the original creditor and how the debt amount was calculated. 
Verification of the chain of title showing LVNV Fundings legal right to collect this debt.

3. Continued Collection Attempts : Despite their failure to properly validate the debt, LVNV Funding has continued to pursue collection efforts, including repeated phone calls and letters, which I consider to be harassment. 

I believe LVNV Fundings practices in this matter are unfair and potentially illegal, and I request your assistance in resolving this issue. 

Please feel free to contact me if you need any further information to assist with this complaint. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX my Wells Fargo was hacked and multiple transactions were made to XXXX XXXX. The transaction amounts were as follows : {$770.00}, {$770.00}, {$700.00}, {$800.00}, {$890.00}, {$780.00}, {$880.00}, and {$890.00}. The total amount of the transactions was {$6500.00}. I realized the fraudulent transactions were occurring when I attempted to transfer money to my brother. The transfer through zelle to my brother was declined at XXXX on XX/XX/XXXX. I contacted Wells Fargo and informed them of the fraudulent transactions immediately and they froze my account and started a claim. The claim was later denied and since then I've had to open the original claim several times with the promise that their high dollar fraud department would contact me, but to this day I have not spoken to anyone from that department. On the day of the fraud ( XX/XX/XXXX ) I also contacted XXXX XXXX and alerted them that the subject fraudulent transactions were not made by you. I asked XXXX if they could cancel the transaction 's because they were still pending at the time, but they said they could not. XXXX XXXX informed me that they could open a fraud case if anyone were to try and board the flights without being able to present the payment debit card they would be arrested and I would be notified. This did not happen and I continued to contact XXXX several times over the course of a few weeks. The last few calls to XXXX I was informed that the flights were cancelled and instead of me being notified XXXX issued a credit back to the fraudsters. Both XXXX and Wells Fargo have not been diligent in helping me at all with dealing with this fraud. Both companies have tried to put the issue and responsibility off on me and each other. While speaking with Wells Fargo I offered to call XXXX XXXX on XXXX to discuss the claim, but they refused. I've been a Wells Fargo customer since XXXX when the company operated under the name of XXXX XXXX. They are very familiar with my banking and debit card habits and I was very disappointed that they did not pick up on the unusual transaction activity as I was the one that had to notify them of the fraudulent transaction immediately. Also, XXXX XXXX repeatedly asked me for confirmation numbers to the flights which I don't because I did not book the flights, also the contact details that they had in the system did not fully match.
Consumer complaint received 2024-09-22
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dimand Law Offices, P.C. (IL)

I moved from XXXX XXXX XXXX in XXXX. I was never notified by mail, phone, or email that I owed money from the unit XXXX I subleased to someone living inside the apartment. XXXX XXXX sent me to the collections bureau, I disputed their claims, and it was taken off my credit report. It is now XXXX, I have a living wage working in Real Estate with XXXX XXXX XXXX, and XXXX XXXX waited until now to file a lawsuit against me for wage garnishments. The court case was for XXXX and I did not receive the lawsuit letter until XX/XX/XXXX... so I could not defend myself against their negative action. 

Instead of given the unit shown during the rental tour, they placed me into XXXX that had bad living condition. I emailed the intent to vacate and found a sublease to take over the unit, turning in my keys to their corporate office off XXXX XXXX in XXXX. The most recent court case filed against me in XXXX has false information, to collect amount not owed, and also the wrong Social Security number filed on that case. XXXX XXXX XXXX has a disciplinary action against them. To me, in my honest opinion, it feels like discrimination and harassment.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NM)

I demand that the following names and accounts immediately be deleted per 605B 15 USC 1681c2.My previous dispute was denied by Chexsystems for not submitting an identity theft report that is signed by a law enforcement officer. Chexsystems stated that the FCRA requires an identity theft report be signed by a law enforcement officer, when in fact it DOES NOT.The FCRA does NOT require a signature for an identity theft report. According to the FCRA, all that is required for a valid identity theft report is proof of the identity of the consumer, copy of an identity theft report, the identification of such information by the consumer, and a statement by the consumer that the information is not information relating to any transaction by the consumer. The FCRA further explains in 603 15 USC 1681a that the term identity theft report is defined as a report that alleges an identity theft, and that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agencyI provided ALL of the information and reports required by the FCRA to Chexsystems. My identity theft report was filed with the Federal Trade Commission and is 100 % valid according to the FCRA, and it is ILLEGAL for Chexsystems to continue reporting this information on my consumer report. They are in clear and direct violations of my rights as a consumer. Chexsystems must block the information no later than 4 business days after receipt of identity theft information.
Consumer complaint received 2024-09-10
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Aldridge PIte Haan, LLP (GA)

Hello, my deceased mother has a lien on property that I inherited I am aware that the lien is in place in the name of her. However, it has been well over 20 years, The judgement was place back in 2002 based on the records they provided. I was XXXX at the time. I shouldn't be liable to pay this debt by practicing Georgias statute of limitations, I thought it was 7 years, and because that have not provided me with the original documents of evidence, as well as the claim against said party is deceased, I am requesting a release/removal of the lien.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collections Acquisition Company, Inc. (AR)

I noticed a new collection on my credit report, via my score going from XXXX to XXXX. 
XXXX XXXX/Payliance was the collection tradeline which intentionally poisioned my report. 

After research and numerous communicating with Payliance and XXXX bets, and explaining I did not bounch a payment and was either the victim of an account take over, and/or ID Therf, my complaints fell on deaf ears. 

The bank I use has refunded my money, however, Payliance/XXXX XXXX refuses to remove the tradeline. I was " told '' I had to file a police report. 

I took off a XXXX from work and filed a police report and even an ID XXXX affidavit. I sent both to NYRA BetsXXXX, and again explained I have not bounced a check/ACH from my check and to please research the bank, routing number, and account # of the alleged bounced payment and they would easily see it was not I that made and/or authorized said charges. 

I have jumped through incredible hoops by closing my bank account and reopening another. I filed disputes with my bank ( success ), the CRA " big XXXX '' and copied Payliance and XXXX bets on all communications. 

I even articulated the actual damages this was causing as I have to sign for my daughter 's studen loans and now my interest rate has gone up. 

I have even given them a reasonable deadline to have have their posion of my consumer reports, or I will litigate. 

That deadline passed and the posion remains on my credit report. I have already drafted my federal and state lawsuits, which will be filed this week and service should be easily perfected. 

I have the knowledge and ability to stand up for myself, and be Payliance/XXXX XXXX worse nightmare. However, I am in a very small minority. 

How can a company not provide a copy of the alleged check/ACH and the account number and bank the alleged debt " bounced. '' Answer- they play the odds. They are losing big time with me, soon, but I'm sure it will be a " cost of doing business ''. Your agency has the authority to make that cost of doing business sting badly. I'm restrained to statutory and actul damages. 

Over {$200.00} this is the hill they choose to die on? From a stand alone single consumer perspective, they just got their wish, but they need to be stopped and your agency has that authority and ability. 

Thank You!
Consumer complaint received 2024-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Last year XXXX XXXX our mortgagor, reported XXXX late payment that arrived on time automatically but was short due to an increase we were not aware of. Apparently our fault as they supposedly sent a notice. 

Then I was notified of a reduction, big reduction in my credit score. 
Then I filed a complaint. case closed then we are notified our personal information has been " compromised '' so as instructed we sign up for " True Identity '' through Transunion reporting services where if you call you get someone in another country and the guy who barely speaks XXXX asks for my FULL SS #. I hung up. 
this year i get another credit reduction and ( after the last complaint ) yesterday I was notified my credit score had been updated to XXXX, another reduction! For what?! 
I am XXXX XXXX XXXX and have been independent financially with an XXXX-credit score. 
My score is now XXXX! 
**I paid off a XXXX loan on my house in XXXX  years, NEVER pay bills late so what is going on here! I've had car loans, a mortgage, excellent renting history before buying again. I've had many credit cards all accounts closed in good standing. 

Please help me get some answers and justice with these unscrupulous corporations.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (WA)

BMO Harris Bank opened an account in my name without my permission. I called them and they told me that account has had some activity. I asked them what it was in case the account was opened by one of my lenders and I just did not realize it. ( my auto loan did that ) and they would not give me any information about the account. Operating in the blind I was forced to talk to the fraud department to TRY to get this cleared up. They are asking me if this is really fraud, how can I know without knowing the activity? They refused to share any information about an account that was ( in their eyes ) MINE but want to me make important decisions blindly. 

now I wonder if this account was used for money laundering under MY name and still can't get any answers from them. They hung up on me saying I was getting argumentive. ( It seems like they were just saying that to give themselves cover to justify hanging up on me. ) How can they open an account in my name without my permission? how can they refuse to share information? Maybe THEY are part of the fraud like XXXX XXXX XXXX XXXX? 

This is fraud, it was done by them as far as I am concerned. All attempts to get information was blocked by them. 

My problem is still unresolved. BMO Harris Bank hung up on me before resolving this problem making sure that this fraud will continue to their benefit.
Consumer complaint received 2024-06-28
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. (CA)

I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXX account. Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXX has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my credit score and financial standing. This is causing significant XXXX and potential financial XXXX, and it is imperative that this error be corrected without further delay. 

XXXX XXXXXXXX
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collections Acquisition Company, Inc. (AR)

I noticed a new collection on my credit report, via my score going from XXXX to XXXX. 
XXXX XXXXPayliance was the collection tradeline which intentionally poisioned my report. 

After research and numerous communicating with Payliance and XXXX bets, and explaining I did not bounch a payment and was either the victim of an account take over, and/or ID Therf, my complaints fell on deaf ears. 

The bank I use has refunded my money, however, PaylianceXXXXXXXX XXXX refuses to remove the tradeline. I was " told '' I had to file a police report. 

I took off a XXXX from work and filed a police report and even an ID Fruad affidavit. I sent both to XXXX XXXXPayliance, and again explained I have not bounced a check/ACH from my check and to please research the bank, routing number, and account # of the alleged bounced payment and they would easily see it was not I that made and/or authorized said charges. 

I have jumped through incredible hoops by closing my bank account and reopening another. I filed disputes with my bank ( success ), the CRA " big XXXX '' and copied Payliance and XXXX bets on all communications. 

I even articulated the actual damages this was causing as I have to sign for my daughter 's studen loans and now my interest rate has gone up. 

I have even given them a reasonable deadline to have have their posion of my consumer reports, or I will litigate. 

That deadline passed and the posion remains on my credit report. I have already drafted my federal and state lawsuits, which will be filed this week and service should be easily perfected. 

I have the knowledge and ability to stand up for myself, and be Payliance/XXXX XXXX worse nightmare. However, I am in a very small minority. 

How can a company not provide a copy of the alleged check/ACH and the account number and bank the alleged debt " bounced. '' Answer- they play the odds. They are losing big time with me, soon, but I'm sure it will be a " cost of doing business ''. Your agency has the authority to make that cost of doing business sting badly. I'm restrained to statutory and actul damages. 

Over {$200.00} this is the hill they choose to die on? From a stand alone single consumer perspective, they just got their wish, but they need to be stopped and your agency has that authority and ability. 

Thank You!
Consumer complaint received 2024-07-24
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. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Hallstrom Law Firm PLLC (TX)

This company has violated federal law. They refuse to honor my cease and desist which in fact constitutes harassment. I am demanding that they cease and desist which includes deletion from my consumer report or i will litigate. Which will cost them thousands of dollars not including my statutory, or actual damages.
Consumer complaint received 2024-07-28
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: AR Resources, Inc. (GA)

There are a few requests that i never requested and when I reached out no one got back to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (GA)

Sterling talent solutions background checks go back extremely long times. My info is wrong on report. I told them, they ignored me, have moved report date 3 times, digging for XXXX XXXX XXXX nothing. I've lost 4 jobs for sterling lies and harassment n discrimination on me. I have proof of it all. I ask for new copy ... .nothing... they won't give it to ne I WANT MY INFO ACCURATE OR REMOVED AND STOP GOING OVER 10 YEARS 15 MAX BACKGROUND CHECKS ITS RIDICULOUS
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc. (LA)

XXXX XXXXXXXX XXXX / self lender, has reported on my account that I had a late payment on a closed out account it was closed out on XX/XX/XXXX with a XXXX balance and it was reported late on the XX/XX/XXXX And XX/XX/XXXX showing a XXXX balance but preventing me from getting a mortgage, according to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. witch was not done by XXXX
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AR Resources, Inc. (FL)

I settled a debt with a collection agency and upon payment, I was told I would receive a letterhead providing proof of the settled debt. It has been a month now since the debt was settled and the collection agency refuses to provide me copy of this settlement. This is extremely urgent and I have attempted to contact the agency multiple times, however they will not provide me record/receipt of the settlement.

All I am asking for is a letterhead showing that I have settled this collection from the collection agency.
Consumer complaint received 2024-07-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unlimited Progress Corp (IN)

I am unaware of this Debt I didnt have the proper opportunity to Dispute this Debt. I didnt receive proper notification if in fact you believe I received proper notification please provide the proof of the Certified Mail With Receipt with my signature on there stating I received it I am unaware of any outstanding medical bills that I possess I am also allowed under the Act the health insurance portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties I did not give any permission to any of my current or prior medical providers to release any of my medical information -please provide a copy of my signature with the provider of service to release my information -Cease any credit bureau reporting until the debt has been validated by me Any reporting of this so called debt to the credit bureaus prior to allowing me to validate it is a violation of the fair credit Reporting Act, Which can allow me to seek damages from a collection agency