davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (CO)

Following email was sent to XXXX XXXX XXXX on XX/XX/year> : Greetings, I am writing regarding the alleged debt of to the original creditor, XXXX XXXX, in the amount of {$1600.00}. I dispute the validity of this debt and wish to inform you that this debt was previously paid to another collection agency, XXXX XXXX XXXX XXXX. Payment confirmation can be provided once negative reporting from your agency has been removed. 

I do not acknowledge any debt to your agency. Therefore, I am formally requesting : - Cease all collection activities, including phone, email, or any other means of communication, until the debt is validated as unpaid in accordance with my rights under the Fair Debt Collection Practices Act, including verification of the debt, the original creditor 's name and contact information, the original account number, and details outlining how the amount was calculated. 

Additionally, I request, in writing, that you will remove any negative reporting related to this disputed debt from my credit report with all major credit reporting agencies. Once the negative reporting has been removed, I am prepared to provide confirmation of payment made to XXXX XXXX XXXX XXXX. for your records. 
Please respond to this dispute in writing within 30 days from the date of receipt of this letter, XX/XX/year>. If you fail to validate the debt or fail to respond within the given time frame, I will consider the debt invalid and an admission that you can not substantiate the debt. Furthermore, I will consider the matter resolved in my favor. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KY)

In XX/XX/2024, I disputed an account from the RESURGENT/LVNV through XXXX. I provided them with 15 U.S.C 1681. The information on my account has to be accurate. The account came back as verified. I filed another dispute in XX/XX/2024, requesting a reinvestigation according to 15 U.S.C 1681i. On XXXX XXXX XXXX the account came back as verified. According to 15 U.S.C 1681, the information on my credit report has to be accurate. Ive never done business nor signed any contract with the company. This account is affecting my credit report negatively. I wasnt provided with any information on how they went about verifying the accuracy of this account.
Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/XXXX my pay pal security was breached and my credit card information was stolen.XXXX  in purchases were made by four people in 4 different states. 
This is the 2nd time this happened to me using PayPal after the XXXX XXXX XXXX  in XX/XX/XXXX, PayPal said to get 2 step authentication to make sure my information wasn't stolen again. I did ; and on XX/XX/XXXX, it happened again.
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-01
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC (MA)

TSI collection agency has repeatedly been harassing and calling me and sending an absurd amount of emails for {$900.00} that was transferred from XXXX for a cell phone bill that included the price of a phone that I was making installment payments monthly on and XXXX month service. I had to change network providers due to my phone and network service being hacked and compromised for the XXXX time in roughly a year. I advised both.companies I am homeless have been since XX/XX/2023 and that I filed from XXXX XXXX  and XXXX originally from Wisconsin and was being XXXX XXXX  which coincide with my electronic devices being breached repeatedly. Which I have reported to the proper authorities and I included this information in another report with XXXX confirmation # XXXX.
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated.

The inaccuracies are highly injurious to my credit score XXXX XXXXXXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (GA)

I am in the process of selling my home at XXXX XXXX XXXX, XXXX FL XXXX. My closing date is XX/XX/2024 and not only is my old servicer unwilling to honor its payoff statement, but my new servicer is telling me that I will be unable to payoff the loan through them until XX/XX/2024 at the earliest, resulting in a multi-day closing delay for no other reason that paper processing. The timeline of events are as follows : XXXX XX/XX/2024 - My mortgage ( # XXXX ) was held by Mr. Cooper Powered By XXXX XXXX ( Nationstar Mortgage LLC XXXX Mr. Cooper ). Servicing of this loan was transferred to Mr. Cooper ( a different Mr. Cooper ), and the old servicer did not provide me notice. 

XXXX XX/XX/2024- Mr. Cooper Powered By XXXX XXXX, my old servicer, generated a payoff statement for this loan. The payoff statement includes a XXXX XX/XX/2024 expiration date that covers my closing date. 

XXXX XX/XX/2024 - I receive a notice in the mail that my loan is being transferred effective XXXX XX/XX/2024. I immediately call the new servicer to determine how to payoff the loan because I have a XXXX XX/XX/2024 closing date. The new servicer, Mr. Cooper ( not Mr. Cooper Powered By XXXX XXXX ), tells me that they will be " onboarding '' the loan until atleast XX/XX/2024, will not generate a payoff statement for me until that time and will not allow me to payoff the loan. 

XXXX XX/XX/2024 - I call the new servicer again and they advise me, again, that they will not allow me to payoff the loan. The upshot is that, due to their unwillingness to allow me to payoff the loan, they will of course take days worth of interest from me in the meantime. The only advice they gave me was that I should speak with my old servicer. 

XXXX XX/XX/2024 - I call Mr. Cooper Powered By XXXX ( the old servicer ). They advise that the payoff statement they gave me, with a XXXX XX/XX/2024 expiration date, is not good and will not be honored. They state that they will not accept my payoff and that they will not stand by their payoff statement. They directed me back to the new servicer, Mr. Cooper ( confusing naming conventions ), which already told me that they will not allow me to pay off the mortgage. 

Based on the above, it appears that neither my old or new servicer will allow me to payoff my mortgage. The old servicer has generated a payoff statement with an expiration date that they will not honor. And the new servicer has decided that there is a minimum XXXX or XXXX  day blackout period in paying off mortgages they recently acquired, although they will happily allow me to carry the mortgage and pay them interest on it while they " onboard '' the loan.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

Non-receipt of Debt Information : I did not receive any notification from [ Creditor/Debt Collector 's Name ] regarding this debt. According to the Fair Debt Collection Practices Act ( FDCPA ), I should have been provided with written notice detailing the amount of the debt, the name of the creditor, and my rights to dispute the debt within five days of their initial communication. This notice was never provided to me. 

Lack of Knowledge of Dispute Rights : I was unaware of my right to dispute this debt. As per the FDCPA, I should have been informed that I have the right to dispute the validity of the debt within 30 days from receiving the initial notice. Since I did not receive such a notice, I was not aware of my rights to dispute. 

Absence of Dispute Rights Notification : The creditor/debt collector failed to provide me with a notice of my dispute rights. This omission is a violation of the FDCPA, which mandates that consumers must be informed of their right to request validation of the debt and dispute it if necessary.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I have tried numerous times to dispute this collection. This is a debt that was a result of identity fraud. The debt was removed in XXXX to disputed agency that attempted to collect over the debt from XXXX. I believe this is an identity scam. I have asked for validation of the debt and I have not received any response or validation of debt.
Consumer complaint received 2016-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This company has garnished my bank account for a Capital One account that does not belong to me and viewing all of the other various other complaints against this company, I am not the first person that they have done this to. My first phone call was to my bank and they advised me to contact the court house which I did. When I gave the court house the Case number associated on the paperwork I received from my bank she advised that the case was named to someone with a similar name to mine, but not in my name. She also advised that the case was from 2007 and that the summons for the court case was not ever served to anyone and she could not explain how that happened and could not offer any additional information and advised me to contact the attorney handling the case. I contacted the attorney and spoke to a representative that could not provide any information other than to set up a payment arrangement on an account that was not mine which is absurd! I asked her for the process servers name and telephone number so that I can get the information on who and when this summons was served and she advised that she did not have that information and transferred me to an actual attorney by the name of XXXX XXXX ( who is not the attorney listed on the paperwork I received from my bank. ) He could not find my account in their system whatsoever. He listed addresses and last XXXX of social security numbers asking if they were mine but none of them were ( the name on the paperwork is not my name and this account does not show up on my credit report either but somehow it is being garnished from my bank account. ) XXXX XXXX could not offer any help at all because he could not even find the account with their file number that was listed on the paperwork. He asked me to scan and email the paperwork that I received from the bank to him which would not be a problem except for the fact that I do not have access to a scanner and my only bank account is overdrawn and my bank said that they can not release the funds until they receive a release from the attorney 's office ( that apparently ca n't find the account. ) Meanwhile, I am being charged with late fees, overdraft fees and have NO money and no one can assist in resolving this. I have already filed a complaint with the XXXX so my next step is to contact the MI Attorney General along with getting an attorney referral in my area for someone that specializes in these types of twilight scenarios!
Consumer complaint received 2024-07-01
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: Resurgent Capital Services L.P. (GA)

" LVNV Funding LLC '' nor gave my written consent. This company is NOT LICENSED to collect in my state. This company is in violation of not just my privacy rights as a consumer but multiple federal laws including FCCPA, FCRA and FDCPA. As per FTC guidelines reporting this account in my consumer credit report is a collection activity. therefore, you are in violation under 18 U.S. Code 894- Collection of extensions of credit Under ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Your continued derogatory reporting of this account in my credit report is a form of punishment and hurting my chances of improving my living situation. Cease and desist, delete this account immediately. 

Cease and Desist Communication is not just for traditional phone calls, text messaging or email. the reporting of this alleged account on my consumer credit report is a form of written communication as it is also a collection activity according to FTC guidelines. 

The original creditor marked this alleged account as charged off - loss or written off, your are in violation of Under 15 U.S. Code 1692j - Furnishing certain deceptive form. 

I also want to inform you that if there are any negative marks on my credit reports from your company or any company you represent, and it is for a debt I do not owe, it is against the law. The Fair Debt Collection Practices Act states that you must ask the credit reporting agencies to remove such entries if you can not validate the debt. - you are in violation Under 18 U.S. Code 894- Collection of extensions of credit by extortionate means :
Consumer complaint received 2024-07-31
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. (MA)

- XXXX XXXX **Account # : ** XXXX - **Account Type : ** Revolving - Individual - **Balance : ** {$0.00} - **High Credit : ** {$0.00} - **Last Reported : ** XX/XX/XXXX - **Date Last Active : ** XX/XX/XXXX - **Date Opened : ** XX/XX/XXXX - **Payment Status : ** Charge-off - **Comments : ** Indeterminate - **Credit Limit : ** {$0.00} According to the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ), furnishers of information have a duty to provide accurate information : 1. **Prohibition on Reporting Information with Actual Knowledge of Errors : ** - As per Section 623 ( a ) ( 1 ) ( A ), 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.

2. **Prohibition on Reporting Information After Notice and Confirmation of Errors : ** - According to Section 623 ( a ) ( 1 ) ( B ), a person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer that specific information is inaccurate and the information is, in fact, inaccurate.

I have identified the following inaccuracies in the reported information : 1. The account balance and high credit are reported as {$0.00}, which is inconsistent with my records.

2. The payment status is listed as " Charge-off, '' which is inaccurate as the account Because you say the account is a charge card.

3. There is an inconsistency in the account type and status that needs clarification.

I request an immediate investigation into this matter and that the inaccurate information be corrected or removed from my credit report. Please find attached copies of my credit report highlighting the disputed items and any relevant documentation supporting my claim.

Thank you for your prompt attention to this matter. I expect a response within the 15 day period as stipulated by the Fair Credit Reporting Act.

You also say that you verified the account and : Under 15 U.S.C. 5 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) -a notice that, it requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

Note : You say that you verified the account and that all the information is accurate and here I send you evidence that you are reporting inaccurate information in the entire account and are violating the laws.
Consumer complaint received 2024-07-31
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: General Motors Financial Company, Inc. (NY)

Through XX/XX/XXXX through XX/XX/XXXX are a handful or credit reports I never personally authorized to check my store or to know what my financial status is at that current moment. Anyone online can get information and try fraud under the radar unless you keep up on things.
Consumer complaint received 2024-07-01
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CT)

I was given an American Express gift card as a gift. It has about {$100.00}. I tried using it in various stores and even tired adding it to apple wallet. After various attempts I tried calling customer service. They asked for my card number which I gave however they only hung up on me. I need this money to buy some important things that I need it isnt just to merely spend the money and it is beyond frustrating having this experience and having to fave terrible customer service. All the numbers I attempted to call were on their website. On their website they even say that I should be able to use it anywhere, which makes absolutely no sense since everywhere I tried it wasnt working.
Consumer complaint received 2019-04-23
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. (MO)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2024-06-03
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. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-31
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. (IL)

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.

NAVY FCU : 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  has violated my rights. 

1

5 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.