davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with Lvnv Funding, Llc company I believe the original creditor XXXX XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2024-01-25
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)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (LA)

I am having a huge problem here. Its been 6 months and continuing where citizens bank is not allowing me to access my money. The account is under review. But it was suppose to be done no matter what they said XX/XX/XXXX but now they keep refusing to send me my money in the mail as a check like they stated once they closed my account. They cant come up with any reason why my account is being looked at either! Thats the key. 
I have to sue because I have been evicted from my home and cant pay one bill!!!!!!!!
Consumer complaint received 2018-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NV)

I called Client Processing after listening to a commercial stating they can help save time on your school payment if you are a First Responder. This process started in the fall of XX/XX/XXXX, XX/XX/XXXX. The loan was held with ACS ( I believe ). I called and discussed my consolidation with them. They did not disclose that the payment count would go to zero. Thus wiping out my prior payment records. They didn't review the interest rate changes, nor the possible changes in payment amounts. Without discussing the payment count - they basically wiped out my prior payment records. They also stated it was " really '' hard to apply for this payment plan on my own. I began the process. They stated they would need signatures to continue. I told them on multiple phone calls that I did not want to proceed at this time. I told them I wanted to wait until I had my tax returns. Multiple times, they emailed/called stating I had to sign and return their packet. I refused and again stated I was intentionally NOT proceeding. Then, in the spring, while I was on military orders, they pushed the consolidation through, without verbal or written consent. I am now forced into a new loan and payment plan, that I did not agree upon. This company mislead me and committed fraud by proceeding without my consent transferring to XXXX. They also completed an SRCA violation due to the loan transferring while I was on military orders, XX/XX/XXXX.
Consumer complaint received 2018-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Hello, I have been in communication with Portfolio Recovery for about two months without proper validation of this debt from them. I contacted the company via certified mail to validate debt in which they were trying to collecting. 

However, they wrote me back basically saying the debt was verified. They didnt follow protocol in the letter that I sent for the validation process. 

I have sent out a validation debt letter and a 609 letter. We are currently going on month # 3. 

Also, I reached out to the credit bureaus in which they responded to the credit bureaus saying the debt was indeed verified with no actual proof of the validation of debt.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (FL)

All 3 credit bureaus ( XXXX, XXXX, XXXX ) continue to report this collection account under various collection agencies. Its clearly obvious that they are prolonging the statute of limitations for this account to make the reporting last longer on my consumer account resulting in further damage of my credit. I am writing to dispute the validity of the debt collection account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any inaccurate information on my credit report.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (NY)

I opened a high yield savings account with UFB Direct XXXX ( part of Axos Bank ), funded {$100.00} into the account. 
Within their transfer portal I was able to link it to my spouses XXXX XXXX XXXX Account to transfer in another {$3900.00}. No error popped up whatsoever. 

Then I got a message from them saying my account is locked because the names on the accounts dont match. But they already took the funds in and locked my account. I told them I want to add my spouse as the joint account owner then. That would solve the name mismatch issue. 11 days later and much back and forth of wanting the form signed physically instead of digitally signed and a bunch of lag in between their responses, I still cant access my funds. 
For many days they called my wife multiple times to complete the verification process but the interrupted without any notice all the phone calls before finishing. 
And than emailing me that they are sorry that the connection was not correct but keep repeating the same thing again and again, they really look same like scam calls or very bad costumer service to my wife.
Consumer complaint received 2024-06-19
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: AMERICAN EXPRESS COMPANY (FL)

My name Is XXXX XXXX XXXX and I am filing this complaint because of an Unauthorized/Fraudulent inquiry being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to XXXX to report this inquiry by American Express on XX/XX/year> to my credit file. NO " Authorization or Permission '' was given by me ( XXXX XXXX XXXX ) to American Express, to run a " Hard Inquiry '' of my credit file, for the purpose of " ANY '' business on the date of XX/XX/year>. After calling BOTH XXXX and American Express on the date of XXXX and twice more each, In attempts to find resolution. I have filed an Identity Theft Affidavit with the Federal Trade Commission and have attached it to this complaint. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (FL)

On XX/XX/year>, I used Zelle from my business, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  account. I was returning payments to XXXX XXXX XXXX, which uses XXXX XXXX XXXX XXXX. Since this was the first time I sent money to that company using Zelle, I tested it first with {$1.00}, then {$5.00}. The {$5.00} was accepted. I then tried to send {$4900.00}. That was cancelled. Then I tried to send {$2000.00}, which was cancelled. Then I sent {$1900.00}, that was cancelled as well. The next day, I saw that {$3900.00} was being held by Zelle. I called my XXXXXXXX XXXX  and they said they could not help and that it should be returned in fifteen days. XXXX XXXX called XXXX XXXX XXXX XXXX and they were told that Zelle had the money and that it should be returned within fifteen days. Since I never had this problem before, I am concerned that my {$3900.00} will not be returned.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one placed a restriction on my account due to fraudulent activity. The capital one representative on XXXX began to ask invasive questions about my transaction activity and asked me to list all deposits into my account and what each transaction is for and asked why I was transferring funds from my authorized external account to my capital one account. This was highly inappropriate and invasive and non of capital ones business as my account transaction shows this account is for paying my mortgage and utilities. I escalated this to a manager which was extremely rude and was able to verify the activity that was reviewed as fradulent althoigh it was for a tenants rent funds which was noted in the XXXX notes. Instead of just verifying the one fraudulent listing and asking me one simple question, capital one abused their power to ask me about why I use my account and external account usage that is not with capital one. I want a breakdown and listing of which federal regulations allows capital one to ask invasive questions about my bank activity and a resolution or I will be closing this account immediately.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX Subject : Dispute of Fraudulent Account Due to Identity Theft To Whom It May Concern, I am writing to formally dispute the fraudulent account reported by LVNV Funding LLC on my XXXX credit file. This account is not mine and is a result of identity theft. Below, I have outlined the applicable federal and state laws that support my dispute and request for the immediate removal of this account from my credit report. 

Account Details : Source : XXXX XXXX : LVNV Funding LLC Address : C/o Resurgent Capital Services XXXX XXXX XXXX XXXX, XXXX, SC XXXX Business Type : XXXX Balance : {$500.00} Applicable Laws and Regulations 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 : Credit reporting agencies are required to block information resulting from identity theft within four business days of receiving proof of the identity theft and a police report.

15 U.S.C. 1681i : Credit bureaus must investigate disputes and correct or remove inaccurate or unverifiable information, typically within 30 days. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692c : Prohibits debt collectors from communicating with consumers after being notified that the debt is disputed and the consumer requests cessation of communication.

15 U.S.C. 1692g : Outlines the requirement for debt validation and mandates that debt collectors cease collection efforts until the debt is verified.

3. Georgia State Laws : Georgia Code 10-1-393.8 : Protects consumers from unfair or deceptive practices in the collection of any debts, including those resulting from identity theft. 
Case Studies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : This case highlights the responsibility of credit reporting agencies to reasonably reinvestigate disputed information. 
XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case underscores the importance of consumer rights in disputes involving identity theft and the obligations of credit reporting agencies under the FCRA. 
Requests : Given the above references, I request the following actions be taken immediately : Cease all communications to me regarding this fraudulent account. 
Remove the fraudulent account from my credit report. 
Provide written confirmation of these actions. 
I mailed a letter with my ID theft report and and the police report I filed regarding this matter. I sent this to your company back in May Failure to comply with these requests may result in further legal action to protect my rights under the FCRA, FDCPA, and applicable Georgia state laws. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-05-22
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. (CA)

Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (GA)

I disputed with XXXX XXXX, XXXX the balance of a loan in a certified letter that in XX/XX/XXXX. In my letter, I asked for a 1099-OID and W-9 coupon if a discharge/set off was done and indicated that this should be deemed as a Tax Credit to the company. I received a correspondence where they responded to my letter and marked on their correspondence that " I do not owe. '' I did not receive any additional documentation from XXXX XXXX after I responded by with a certified mailing. However, I called and spoke with a representative in XX/XX/XXXX and was told that my account had been listed as " No contact. I thought the matter was resolved. 

In XX/XX/XXXX, XXXX XXXX XXXX reported a " charge off/write off '' on three credit agencies ( XXXX, XXXX XXXX XXXX and XXXX ) with a date of XXXX for {$9600.00}. However, the XXXX Credit report also indicated the loan was also sold to CKS Prime Investments in XX/XX/XXXX. If the XXXX XXXX loan was written off, it should not have been sold as well with the consumer being responsible all over again. This is fraud. 
XXXX XXXX also gave CKS Prime Investments all of my Private Information without my consent or permission. CKS was given my social security number. DOB, phone number, email address, etc. I have not signed any contract or any agreement with CKS. XXXX XXXX has stolen my identity. I have filed a police report. 

XXXX XXXX  inaccurate reporting and release of my private information without consent has damaged my credit further and caused financial harm and limitations.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my GLBLNDSVCS - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-05-22
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. (FL)

Despite my efforts, these issues are still unresolved. Enclosed is the letter I sent to the credit bureaus. Your firm labeled my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This is a serious matter to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Provide evidence of the alleged item, such as a contract or document with my signature, or remove these items from my report immediately.
Consumer complaint received 2024-06-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (OR)

Around XX/XX/XXXX, I received a letter from XXXX XXXX XXXX  attempting to collect a debt that I owe to XXXX XXXX XXXX for {$400.00}. I was unfamiliar with this company and nor any debt that I was owed. I called the debt collection agency and Informed them that I was not this person they were looking for and to stop sending me letters. A couple of months pass and I received another letter with the same information and amount. I then saw the ability to respond by disputing the debt and checked this wasn't my debt and to send me more info about the debt that I was being accused that I owe. They responded and then sent copies of a bill around XX/XX/XXXX with more info about the company. The company was XXXX, which seems to be some internet company. I've never interacted with this company and the address that was used was an address that I've never lived at nor have been too. I believe the XXXX account was made around XXXX. I don't know anyone who lives at this address. I called XXXX again and informed them that I'm certain that this isn't my debt and to stop sending me letters. I was informed that they would need a cease and desist faxed to them in order to stop the letters. I made the cease and desist and faxed it. Around XX/XX/XXXX I then received a debt collection letter from Credit Controll LLC attempting to collect the same debt that XXXX tried to collect. I assume they had sold this debt to another debt collection agency.
Consumer complaint received 2024-06-18
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. (CA)

ACCOUNT # XXXX This complaint is a REBUTTAL to a response from LVNV FUNDING / RESURGENT dated XX/XX/year> regarding a dispute on the above account also previous disputes regarding this account. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to my CONSUMER REPORT. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for. 

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and LVNV FUNDING/ RESURGENT are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - LVNV FUNDING/ RESURGENT is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE. 

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.