davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC (NY)

We signed up with National debt relief in XXXX of XXXX. We have 23 creditors that we enrolled with them. As of today XX/XX/XXXX we have given them XXXX of which XXXX was paid to 5 different creditors out of the 23. The rest of the money has been their fees. I have called them several times to inquire and complain that they keep taking their own fee but not paying off our creditors or making any other settlements. Their response was to wait another few months and we would see other settlements. We have not seen any movement and honestly we would like our money back from them. This is robbery we are struggling to make ends meet and trying our hardest to pay back our creditors as best as we can.
Consumer complaint received 2024-06-08
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

An unknown company is contacting people I know providing my personal identifying information over the phone and attempting to get their identifying information and to pay a debt over the phone. My concern is that this is fraud as they are attempting to collect a debt and have those people pay over the phone on an account that does not exist nor can they identify where the debt came from. This is the company and the number provided. This is the second time and occurred XX/XX/year>. 
Portfolio Solutions XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$3000.00}. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Adjustment Company Incorporated (MD)

On XX/XX/XXXX, I received an email notifying me of a change to my credit report. Upon investigation, I found that XXXX XXXX  XXXX and Consumer Adj Co had been added to my report with a derogatory amount of {$100.00}. I am disputing the validity of this claim and reporting these companies for illegally obtaining my Social Security number and misusing my credit report.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

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 2024-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

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 2023-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (GA)

I applied for a received a loan to start a small business. the loan appears on my personal credit. 

I wrote in once before about being unable to advance the payment due date when I make more than one payment. 

I received a {$4.00} invoice in XXXX, despite making 2 payments in XX/XX/2023, XXXX payments in XX/XX/2023 ( cover XXXX, XXXX, XXXX, XXXX ) and 2 payments at once in XXXX ( should cover XXXX and XXXX ). 

I received an invoice for XXXX payment in regular amount. I called and spoke with XXXX, who immediately transferred me to XXXX, when I said I was recording the call as well. 

I was disconnected and reached XXXX who transferred me to XXXX, who transferred me to XXXX, because XXXX could not access the system. 

XXXX said that only car loans advance payments with extra payments. I told her not true, because mortgages did as well. She said my loan will not advance payment. I asked her to show me that stipulation in the loan agreement or what law allows it. I told her that I asked and was told that I could make extra payments without prepayment penalty at the time of application. 
She said there was no higher escalation but conceded that she had a boss and that she was not in the CEO office. I state that was the second untruthful statement made to me. 

When I informed her that I was recording the call, she read a statement of not approving of being recorded and disconnected the phone, despite being told that Georgia and Federal law allows one party consent. 


WellsFargo reports this on my personal credit. If I want my payment date advanced with extra full payments, I have the right to. If they can not point to a law or loan stipulation, they need to honor that right. 

Also, they can not give themselves the right to record conversations and deny that to customers, who have a lawful right to do so under federal and state statute.
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NJ)

I already have disputed this account multiple times for the last 6 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Consumer complaint received 2024-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

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 2024-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

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 2024-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

XXXX This information is listed on my credit reports. I have no knowledge of this account. ( Listed twice ) XXXX XXXX XXXX. This account is listed on my credit reports. I have not knowledge of this account. 
XXXX XXXX XXXX This information is listed on my credit reports. I have no knowledge of this account. 
Resurgent/LVNV This account is listed on my credit reports. I have no knowledge of this account. 
XXXX XXXX XXXX This information is listed on my credit reports. I have no knowledge of this account. 
XXXX XXXX XXXX This information is listed on my credit reports. I have no knowledge of this account. 
XXXX XXXX XXXX XXXX This information is listed on my credit reports. I have no knowledge of this account. 
XXXX XXXX This information is listed on my credit reports. I have no knowledge of this account.
Consumer complaint received 2024-06-07
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (IL)

Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit? 

I also recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$860.00} This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Consumer complaint received 2024-06-07
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (AZ)

On my credit report, I can see that a collections account has been opened by Resurgent Capital Services for a XXXX account that I did not open. The collections account was opened in XX/XX/XXXX for the amount of {$450.00}. The current owner is LVNV Funding, and the original creditor was XXXX. I learned that the this XXXX account is from a XXXX 's credit card account that was opened in early XXXX, but I am positive that I never opened this account. In fact, I have never purchased anything from XXXX XXXX.
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  accounts from 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  Data XXXX ; XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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 without my written instructions.
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

XXXX XXXX has attempted to contact me through my wifes personal email address and they violated the TCPA by sending me unsolicited sms text messages about a debt from XXXX XXXX XXXX which I never incurred and is not listed on my credit report. I responded the to email requesting to dispute the debt but they replied that they will only continue if provide my mailing address for a dispute confirmation letter. I refuse to release my personal information and requested they email me confirmation. They never did. About a month had passed and they began to sms text message me again stating they will settle the debt and offer a partial write off. I dont have an unpaid debt to write off. I have never had a satellite subscription ever. If XXXX XXXX is a legitimate business, they need to be heavily audited and fined for violations.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

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 XXXX XXXX XXXX. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-06-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

THIS IS THE EMAI I SENT TO THE SPECIFIC DEPARTMENT OF SUNRISE DEBT COLLECTION AGENCY THAT HAS TAKEN OVER THE PREVIOUS DEBT COLLECTION AGENCY FOR XXXX XXXX XXXX. 

I SENT THE EMAIL ON XX/XX/XXXX AND THEY STILL DID NOT ANSWER TO THIS DATE ( XX/XX/XXXX ), YET THEY KEEP ON TAKING POINTS OUT OF MY CREDIT SCORE ( XXXX YESTERDAY ). 

I FORWARDED AGAIN THE SAME LETTER ASKING THEM TO PLEASE ANSWER ME BACK. 


To the XXXX at XXXX, I spoke on XX/XX/XXXX to your co-worker XXXX on a recorded line. 

In summary : I told him how frustrated I was in seeing that my credit score dropped by XXXX points on XX/XX/XXXX because " Sunrise Credit Services added a collection to my report ''. 

He told me that I could settle paying {$170.00}. 

The problem he said was that I did not return the equipment in time to XXXX XXXX XXXX XXXX. 

I told XXXX that I had spent numerous hours on the phone in the months following the return of my equipment on XX/XX/XXXX - receipt is attached to this email - stating that I had used the equipment in an apartment complex that had already fiber optics for XXXX & XXXX and that I had returned all the equipment in time. 

I also told XXXX that the previous debt agency had apologized to me for the mistake of XXXX XXXX XXXX and appreciated all the time it took me to tell them about the details of the mis- communication. In fact, the previous debt collection agency stopped calling me because we had settled the dispute. 

This is the explanation why when the first representative of XXXX made contact with me I cut the call short saying that I had settled the dispute. 

Hoping that this email is really the final one in regards of this matter, I ask you to please let me know, in writing that everything is settled and if you can please erase the debt collection so I can get back those XXXX points that I sweat for.
Consumer complaint received 2023-05-06
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. (TX)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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 an account without my written instructions
Consumer complaint received 2024-06-12
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)

To Whom It May Concern, This Is my Third written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if 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 reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. Account Number : XXXX XXXX  Account # XXXX Delete this account. XXXX XXXX XXXX Account # XXXX Address:XXXX  XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX there is some inaccurate information reporting. Account Number : XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX Delete this account.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southern Auto Finance Co (CA)

I am a victim of identity theft I have no connection with the said accounts listed. Please help me. 

Someone even has an eviction in my name in XXXX. Which I never lived I lived in XXXX XXXX my whole Life I have no dealings with XXXX XXXX I have no dealings with XXXX XXXX I was never late on my XXXX XXXX XXXX please correct this.