davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc. (VA)

I had XXXX XXXX XXXX XXXX from XXXX. Recently when I purchased a home I found that I had numerous credit penalties from XXXX XXXX throughout the years.

All of my student loans were paid off in XXXX but my credit is still showing the claims of my student loans. 

I tried to log in into my old Navient account and my account doesnt even appear anymore. I do have emails confirming I paid off my loans and can dig up email and tax information. 

I would like to see if I am eligible to participate in the Navient lawsuit, but I can not even log in to the Navient website because it looks like they cleared my information. 

Can someone please point me in the right direction?
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

PORTFOLIO RECOVERY wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : PORTFOLIO RECOVERY Account Number : XXXX
Consumer complaint received 2023-11-16
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TN)

I have received direct deposit from my job every XXXX XXXX XXXX XXXX  EST for the past couple of months ( it used to be XXXX but that changed around XX/XX/XXXX ). My Wells Fargo checking account was overdrawn {$88.00} on XX/XX/XXXX and I was notified at XXXX XXXX EST, that morning. I get paid at XXXX XXXX EST every XXXX, so I knew my direct deposit would post and clear because it always does. Upon me getting off of work at XXXX XXXX EST ( XXXX XXXX  ), I open my Wells Fargo checking account and my direct deposit was posted and AVAILABLE and the overdraft I fees I incurred were cleared. I went ahead and paid my bills. After I paid them, and before I went into my work building at XXXXXXXX XXXX EST XX/XX/XXXX ( XXXX XXXX ), I looked at my Wells Fargo checking account and there was an available balance of {$160.00}. When I got off of work the following morning at XXXX XXXX EST ( XX/XX/XXXX, Friday ) I opened my Wells Fargo banking app and my account was - {$60.00}. I knew this couldnt be right so I checked my past activity on the account. It was suddenly saying my direct deposit had just posted that morning ( XX/XX/XXXX ) and not XX/XX/XXXX like had been shown originally. I called Wells Fargo customer service twice and was met with rudeness and no resolution. Wells Fargo is saying that the payment did just post on XX/XX/XXXX and my account had been negative since that XXXX ( XX/XX/XXXX ). I had been sent a notification email that my account was negative XX/XX/XXXX at XXXXXXXX XXXX EST, which I did see. However for every time I overdrafted my account from that point, I never received a notification, no email nothing since XXXX XXXXXX/XX/XXXX and it has been two days since the last time I was made aware my Wells Fargo account was overdrafted. Now Im not sure if anybody else has Wells Fargo, but usually you receive an email with all the information of the payments withdrawn. I did not receive one until after I got off the phone with customer service the first time on XX/XX/XXXX and pointed out that something wasnt adding up. Then they said I was a part of the XXXX XXXX XXXX but the company had not posted it andit just did not make sense. I feel that Wells Fargo is definitely doing something fraudulent and are just giving people the run around while taking their money.
Consumer complaint received 2024-09-20
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. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (NC)

This letter is a formal statement notifying the above parties that the accounts under VIN # XXXX are disputed. The vehicle in question was purchased on or about XX/XX/year> by XXXX XXXX XXXX XXXX XXXX XXXX address XXXXXXXX XXXX XXXX XXXX XXXX XXXX, financed by Santander, repossessed in the state of North Carolina, and sold by an unknown company or creditor that I was unaware of and did not receive documentation. Under the laws of North Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC $ 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
Consumer complaint received 2023-11-16
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
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: Block, Inc. (SC)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. See attachment
Consumer complaint received 2024-09-04
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. (MD)

I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-10-09
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: Fidelity National Information Services, Inc. (FNIS) (AZ)

XXXX XXXX XXXX do hereby request that your office provide me with complete documentation to verify and validate the account referenced.

As I want to resolve this matter as soon as possible, I am initiating this private, administrative remedy to determine such matters, predicated upon your proof of claim. The necessary Proofs of Claim are set out below, to wit : 1. A contract between Chex Systems , Inc and XXXX XXXX XXXX XXXX Who in your company verified these accounts? 
3. How did they verify them?

4. Please provide me with the name of the individual, business address of the person or business contacted during your re investigation.

5. Include the documentation that was used to verify the dispute
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account XXXX
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Request for Validation of Debt To Whom It XXXX Concern, I am writing to formally request validation of the debt listed under the account number referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( b ), I am entitled to request and receive the following : 1.A copy of the original purchase agreement, including all terms and conditions.

2.Proof of the chain of ownership of this debt, from the original creditor to your company.

3.The date of the first delinquency that led to the charge-off.

4.A copy of the bond you are required to maintain in my state to operate legally as a debt collector.

Please provide the requested documentation within 30 days of receiving this letter.

Failure to comply may result in legal action, as failure to provide this information is a violation of my rights under the FDCPA.

I request all future correspondence be conducted in writing. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

The interest rate went from 5 % to 12.5 % and they will not work with me to decrease it or help with reducing my payments. I paid off the other two loans and they applied the amount paid to the lower interest loans instead of the highest interest loan I requested.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (PA)

Jefferson Capital Systems are is illegally reporting derogatory information regarding a collection in the amount of {$850.00} on my credit report without any legal or proper authorization. I have never signed or authorized any contracts, agreements, or applications with Jefferson Capital System nor have I provided any form of identification that would permit them to legally report such information. Despite many requests, Jefferson Capital System has failed to provide a copy of any signed documents, including a wet-ink signature, that would validate their claims. Their inability to produce such proof raises serious doubts about the legitimacy of their actions and the validity of their reporting. It is clear that this is not a legitimate credit transaction with this third-party agency. 
In lieu of their violations, I am not only disputing this inaccurate reporting but will also be filing additional federal and state complaints against Jefferson Capital System. I demand proof of my identity, as I have never given this agency any form of authorization to access or report my personal information. Their actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for the sharing or reporting of such information. Jefferson Capital System failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. I hereby request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and ensure the removal of this unlawful derogatory information from my credit report.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC (NC)

VALIDATION AND CEASE AND DESIST Collection agency name : CNAC XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Account number:XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CNAC XXXX 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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sarma (TX)

I received a letter from Sarma Collections , Inc around XXXX XX/XX/year>. I contacted them on XXXX XX/XX/year> to seize and desist and to stop contacting me because I have never transacted any business with the company. I want the company to stop contacting me.
Consumer complaint received 2024-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I received a letter from Citizens ( XX/XX/year>XXXX  ) stating that because I paid off my auto loan early, XXXX XXXX XXXX owes me a nominal refund for the GAP product. I am no longer accepting any USD payments due to bank failure. Please send any funds to the bankruptcy estate here : XXXX XXXX XXXX  Thank you.
Consumer complaint received 2024-10-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Opportunity Financial, LLC (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX received debt verification letter XX/XX/year>, and also in XX/XX/year>. XXXX is originally from XXXX, debt is past statute of limitations and still reporting on Credit reporting agency reports. Both companies are violating FDCPA. Debt has yet to be validated by XXXX XXXX as per consumer request x XXXX, and XXXX XXXX is still reporting to XXXX reporting agency XXXX as of XX/XX/year> when statute of limitations has run out. 

Consumer reserves right to file legal action against both companies per FDCPA. Both companies have failed to remove/validate debt as requested by consumer. XXXX is requesting all named debt to be removed from all XXXX credit reporting agency report ( XXXX, XXXX, XXXX ) and to cease and desist from further collection, credit reportingconsumer reserves right to legal action for XXXX  to continue to report false unvalidated debt.
Consumer complaint received 2024-10-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Cease and Desist Request & Debt Validation Under 15 U.S. Code 1692 Account Number : [ XXXX ] Amount ClaimedXXXX To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced debt. I hereby request that you provide me with the following documentation pursuant to my rights under 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ) : Proof of Debt Ownership : Please provide a copy of the bill of sale or assignment contract that shows you have the legal right to collect this debt.

Validation of the Debt : Provide all relevant documentation that verifies the validity of the debt, including but not limited to : A copy of the original signed contract or agreement between myself and the original creditor. 
Itemized accounting of all charges, interest, and fees related to this debt. 
Cease and Desist : I request that you cease all communication with me in relation to this debt, except for written verification of the requested documents or notification of legal action if applicable. This request is made under 15 U.S. Code 1692c ( c ), which provides me the right to limit further communication. 

Please understand that until these documents are provided, I do not acknowledge or accept the validity of this debt. If you fail to provide the requested documents within 30 days, I will assume that your claim is invalid, and I will consider the matter closed. 

If you persist in contacting me without providing proper validation or without addressing this cease and desist request, I will be forced to file a formal complaint with the Federal Trade Commission and the Consumer Financial Protection Bureau, and I will seek all legal remedies available to me under the Fair Debt Collection Practices Act, including but not limited to civil liability for any violations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX