davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
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)

Subject : Complaint Against LVNV Funding LLC Regarding Alleged Debt Dear Sir/Madam, I am writing to file a formal complaint against LVNV Funding LLC concerning their handling of an alleged debt in the amount of {$510.00}. It has come to my attention that LVNV Funding LLC has violated several consumer protection laws, as outlined in 12 CFR 1006.34 and 15 USC 1681-S, which has resulted in significant harm to my consumer rights and financial well-being.

Firstly, despite the absence of validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), LVNV Funding LLC has placed this alleged debt on my consumer report. This action directly contravenes my rights as a consumer and raises serious doubts about the accuracy and legitimacy of the reported debt. 

Furthermore, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). LVNV Funding LLC has failed to provide me with proper avenues for challenging the validity of the debt, thus depriving me of my fundamental right to address any discrepancies or errors in the reported information. 

In addition to these violations, it has become apparent that LVNV Funding LLC has engaged in deceptive practices, including the use of false, misleading, and misrepresented information. Such unethical behavior not only undermines consumer trust but also violates established consumer rights protections. 

Moreover, LVNV Funding LLC has furnished this alleged account to consumer reporting agencies without providing the necessary disclosures mandated by law, thereby violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). This failure to comply with legal requirements further compounds the harm caused to my financial standing and reputation.

In light of these egregious violations, I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into LVNV Funding LLC 's practices. I urge the Bureau to take appropriate action to ensure compliance with consumer protection laws and to hold LVNV Funding LLC accountable for their actions. 

Furthermore, I seek the following remedies : Immediate removal of the alleged debt from my consumer report pending validation of the information.

Provision of complete validation information regarding the alleged debt.

Assurance that LVNV Funding LLC ceases all deceptive practices and adheres strictly to consumer protection regulations. 
Compensation for any damages incurred as a result of LVNV Funding LLC 's non-compliance with the law. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumer rights. 

Thank you for your prompt action in resolving this issue.
Consumer complaint received 2024-05-01
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. (NJ)

I have not given any one permission to access my credit credit profile and creditors have no permissible purpose by law to contact third parties with my private or personal information. The offenses amount to Aggravated Identify Theft : The following Creditors are reporting to on my credit report and I've taken actions with the creditors & Consumer reporting agencies that the following accounts are unauthorized and unverifiable.I requested proof that these accounts belong to me. However, no accurate response has been given to me. Creditor Name : XXXX  ACCT # XXXX Creditor Name : XXXX XXXX, XXXX. ACCT # XXXX Creditor Name : XXXX XXXX XXXX ACCT # XXXX Creditor Name : XXXX ACCT # XXXX Creditor Name : XXXX. ACCT # XXXX Creditor Name : XXXX ACCT # XXXX Creditor Name : XXXX.ACCT # XXXX Date of Inquiry : XX/XX/year> Creditor Name : XXXX Date of Inquiry : XX/XX/year> Creditor Name : XXXX. Date of Inquiry : XX/XX/year> Creditor Name : XXXX. Date of Inquiry : XX/XX/year> Creditor Name : XXXX. Date of Inquiry : XX/XX/year> Creditor Name : XXXX. Date of Inquiry:XX/XX/XXXX Creditor : XXXX Date of inquiry:XX/XX/XXXX Creditor : XXXX XXXX XXXX. Date of Inquiry:XX/XX/XXXX Creditor : XXXX XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX.Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX XXXX XXXX Date of inquiry:XX/XX/XXXX, Creditor : XXXX. 
I'm requesting that these items be remove IMMEDIATELY : Please promptly remove this data within 4 business days to pursuant to 15 USC 168-c-2 to avoid any further legal proceedings. Thank you for your timely complaince!
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is my FURTHER Complaint that identity theft occurred to me. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must within 4 business days remove or block any items that were opened without my knowledge, consent, or authorization if you provide the following : ( 1 ) valid identification ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer stating that the information is unrelated to any transaction by the consumer. 
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 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NC)

Attention XXXX XXXX : I applied for a Credit Card on XX/XX/2020 and was denied. Contrary to your presumptions and alleged reasoning for denying me, I have the right to Full Faith and Credit, see the attached document ( XXXX ). Your Language Fraud, False and Misleading Denial of my Own Credits is pursuant to 17 CFR 240.15c1-2 - Fraud and Misrepresentation and 15 USC 1692e XXXX and Misleading representation. You are unlawfully and knowingly withholding access to my securities that I the bondholder authorized on the initial tender of payment/application/credit card from the certificate of indebtedness bond. Your wilful withholding of my access to my securities is defined as securities fraud pursuant to 18 U.S. Code 1348 - Securities and Commodities XXXX. You are not only wilfully violating my right to my Credits ; you are also in violation, and non-compliance with the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are unlawfully denying me my Credits, Retract my Application immediately upon receipt of this NOTICE, non-assumpsit. A Certified verification letter in writing/typed with the company letterhead and an Officials signature confirming my Application Retraction is required point by point, exact, for my record keeping ; non-assumpsit. Thank you for your cooperation in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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. (NJ)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following items continue to appear on my credit report despite numerous written requests, which are against FCRA. In addition to failing to adequately examine the situation by using a third party as their provider of verification, the Bureaus continued to report unsubstantiated and unverified information while failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame required by law. They are wilfully negligent and in violation of federal statutes, and I need this situation to be resolved right now given all of my attempts to address it directly with XXXX and TransUnion CREDIT BUREAUS. The following ITEMSshould be deleted from my file 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 2018-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I made a purchase for an ad on XXXX. The company unexpectedly did not publish my ad with my phone number and instead published their own phone number where they intercepted calls. 

I asked the company the next day to change the number listed to my direct number or cancel the ad and issue a refund. The company refused. 

I contact my Visa Signature issuing bank and filed a dispute. Supervisor XXXX at Bank of America 's disputes department informed me that since I was unable to provide a contract that they were denying the claim and would not proceed with contacting the merchants bank or the merchant XXXX
Consumer complaint received 2024-05-01
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 



Dear XXXX, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear LVNV FUNDING LLC, I am writing to dispute any and all debts associated with my name in your records. As per the Consumer Financial Protection Bureau ( CFPB ) guidelines, I revoke all communication rights and request validation of this debt. I demand full disclosure, including the purchase agreement between your agency and the original creditor, as well as proof of your licensing and bonding. 

It has come to my attention that despite my requests, you have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Yet, you have reported this debt to consumer reporting agencies, which is a violation of my rights under the same regulation.

Furthermore, I have not been given an opportunity to dispute this account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Your actions constitute false, misleading, and deceptive practices, which are prohibited by the Fair Debt Collection Practices Act [ 6 ]. Moreover, your furnishing of this account to consumer reporting agencies without proper disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) [ 5 ], [ 4 ]. 

I demand that you cease all collection activities and remove this debt from my consumer report immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXXXXXX XXXX, this account information is not correct. The last payment was XX/XX/2020, but the creditor says XX/XX/2020. It shows a balance of {$1600.00}, but they say it's {$0.00}.
Consumer complaint received 2024-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to follow up my previous dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (LA)

I have XXXX hard inquiries about XXXX XXXXXXXX XXXX XXXX on my file and the credit bureaus are telling me they cant be removed because I have to contact them directly. So when I contact them directly I get the run around they tell me to contact the credit bureaus and 15 usc 1681 tells us that anyone who fails to comply with any requirement imposed under that certain sub chapter is liable to the consumer and my credit and living has been affected its inaccurate and it states I could get from {$100.00} - {$1000.00} for false pretenses.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (IL)

I contacted the debt collection company " on line ''. I explained that they have mistaken our company XXXX XXXX, XXXX for a company called XXXX XXXX The utilities provided by XXXX XXXX were not provided to us. As we only have one location in XXXX XXXX, Illinois. We were established in 2005 and have always only operated at our current locationXXXX XXXX XXXX XXXXXXXX had never contracted with any utility at any time for services. The location this debt collector claims we owe is in XXXX. 
The person we spoke with stated that it was a mistake. But they continue to send demand letters and threats. This company uses the following Reference : XXXX PIN : XXXX. These identifiers are on their correspondance.
Consumer complaint received 2024-05-01
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: EQUIFAX, INC. (NY)

The credit bureaus are still reporting the account inaccurately despite the dispute and evidence showing that the collection agency closed my account. Instead of showing it as paid in settlement and closed, the account is still listed as charged off. According to the law, the credit bureaus are obligated to report this account as closed and settled. Since this information is incorrect, I request that this account be completely removed from my credit report.
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLIANT CREDIT UNION (TX)

On XX/XX/XXXX Alliant Credit Union ( Alliant ) imposed a {$4400.00} fee to my automotive loan for CPI insurance. Accordingly, my monthly payment went from {$1100.00} to {$1500.00}. I reached out to Alliant and found that it was because they didnt have proof of insurance. I showed Alliant that I do indeed have viable insurance, and have had this viable insurance during the period when I was charged the CPI fee. I also had viable insurance the entire duration of owning the car. 

Alliant did not ever communicate to me at any point that they needed proof of insurance, whether by mail, e-mail, phone call, text, or otherwise. They simply assessed the fee, and did not even notify me about the fee. 

I have not received reimbursement of any kind as of XX/XX/XXXX
Consumer complaint received 2023-05-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted this option when I disputed this and it still has not been updated after more than 30 days. " Affected by a natural or declared disaster codes on your reports. All three major credit-reporting bureaus XXXX, XXXX, and TransUnion have these codes. I have requested through XXXX, XXXX, and Transunion but all have failed to provide any update or feedback on this requested dispute. I requested that a statement be added to my credit reports stating that XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX refused to allow me to enter into the Covid 19 relief program because I wasn't behind on my payments during the time I requested relief can ask a creditor to add it to my credit report. all 3 credit bureaus have blocked me from requesting this dispute to be filed again and or updated. 

Also, the credit bureaus do not allow you to access what was submitted. this was sent on or around XX/XX/23
Consumer complaint received 2024-06-07
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. (WV)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (FL)

I made an electronic payment for my escrow on XX/XX/XXXX, {$350.00}. I received a letter from Mr. Cooper dated XX/XX/XXXX stating that they were unable to locate my account. I called XXXX multiple times on XX/XX/XXXX and was unable to reach a representative through their virtual phone assistant so then I called XXXX ( refi number for mr cooper ) and reached a person who then transferred me to XXXX in customer service. XXXX stated that there was a digit missing from the account number so the payment was rejected. I then sent in a paper check to the address that XXXX gave me on XX/XX/XXXX for {$400.00} for my escrow ( written on the check ). On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that the funds were received and they were " placing funds in an unapplied funds account ''. I have tried multiple times and ways to reach them this morning ( XX/XX/XXXX ). I can not get through to anyone or leave a request for them to contact me. 
ALSO I tried to register for their credit monitoring since the data breach and that service was unable to process my request. 
I would appreciate assistance.
Consumer complaint received 2024-05-01
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-12
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (SC)

I had a Best Buy credit card that works with Citibank. After a while I realized that they charge a very high interest and a lot of fees on top of that, and decided to pay it off and never use it again. On the XXXX of XXXX I paid off the total amount of {$2300.00} and having a total amount to pay of {$0.00}!!! At that time I didnt know better than to cut off in small pieces and throw away my card since I wasnt going to use it again. 
One morning in XXXX I received an email saying that I have to pay my minimum amount due, and when I went online I found that I have a balance of {$170.00} to pay. Of course I was confused with this situation so I gave Citibank a call to find out what happened. They said that there was a chargeback of {$85.00} and with the fees and purchases it went up to {$170.00}, and refused to do anything about it. I must say that my bank does not show a charge back of {$85.00}, the money was paid and never came back to my XXXX  XXXX XXXX account. 
When I checked the statements again it was shown that there is a purchase of {$81.00} that I NEVER used, since I threw away my card. 
I will attach the statements described above. 
Please contact me for additional information. 
I refuse to pay this amount to the bank, these are invented numbers that I dont have knowledge of.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX terms of agreement was set XXXX, XXXX a XXXX month term was agreed for $ XXXXi realize once the agreement was paid in full XX/XX/XXXX with interest. i was being harassed to make more payments for terms i did not agree to. when i reconciled my bank statement i had in fact overpaid the company. the company called and said they changed management and did not have the original agreement to provide and i will be responsible. they refuse to find the original agreement and adding unauthorized activity and lengthening the term. 
XXXXXXXX XXXX unknown accounts placed in multiple collections. never had the service. 
XXXX reporting closed charged off student loans. they were charge off by Us Dep of Ed and keep appearing and being harassed for payment. illegal actions. 
XXXX XXXX reporting balance / unauthorized charges. i did not use the card once i paid it off. never been late. i have been deputing the reports and the account got closed wit a balance i did not authorize. 
closed account being reported current late and they were charged off. i had given evidence of fraud and im being ignored.