davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

I sent this company a 609 letter stating that this debt is not mine and that I would like to see a debt validation letter in XXXX when this first appeared on the credit report. I have not received any information about the validation.This is not my debt and I would like it to be removed off of my credit report, due to the fact that is is NOT MY DEBT and also it hurts my credit rating to be able to leverage my credit to get a new home. Please remove this off my report.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

As a federally protected consumer XXXX XXXX solution and capital one has committed identity theft and are in violation of FCRA. XXXX XXXX XXXX XXXX are attempting to collect on a debt that is not owed and Capital has sold the alleged debt to this company meaning my information has been sold without my permission!
Consumer complaint received 2024-01-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Upon reviewing my credit file, I have discovered inquiries and collections that are incorrect and fraudulent. These inaccuracies are damaging my credit score and financial reputation, and I request that they be promptly removed from my credit report.
Consumer complaint received 2018-07-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-04-17
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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; 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 2024-01-11
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. ()

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. 


I told Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I started at XXXX XXXX in 2008. I was told that all of my classes would be in the class room. Unfortunately, XXXX XXXX went to an online format for my remaining XXXX credits. They also told me that they would accommodate my XXXX and my work schedule. My XXXX is XXXX XXXX. While I was trying to fix the problem with XXXX XXXX  and their refusal change from online classes to in-class instruction, I was not given any more funds and had to start paying my loans. At the time, I asked for the loans to income based. Navient put me into forbearance at least 7 times that increased the interest. My loans are costing me {$72000.00}. I would like to consolidate my loans ( I have three ). Navient has told me that I can not consolidate. I need help with this situation. I am paying for loans and have no degree. Any help that you can provide would be appreciated. Thank you.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-11
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. (GA)

I hope this message finds you well. I am writing to bring to your attention a matter of concern regarding the reporting practices of LVNV to third-party credit bureaus. Upon reviewing my credit reports, I have identified discrepancies in the information provided by LVNV across different bureaus, particularly on XXXX, XXXX, and XXXX. 
On my XXXX report, there is an indication of a past due amount of {$4600.00}, whereas both XXXX and XXXX reflect that the account in question has been paid off, with no outstanding balance. Such inconsistencies raise serious concerns about the accuracy and Furthermore, I would like to bring to your attention the fact that the debt associated with this account has been transferred to a third-party debt collector. As a result, it has been charged off and is now considered a certificate of indebtedness, constituting income. According to applicable regulations, such discharged debt should not be reported, as it may lead to inaccurate representations of my financial standing. 
In conclusion per the FCRA as a federally protected consumer I am now opting out of any and all authorization I consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802.

16 CFR 313 OPT OUT
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (HI)

In XXXX of XXXX someone opened an account in my name and after not paying it went to collections. It took me a few months to notice this fraudulent debt. 
I have not had a job since XX/XX/XXXX, my spouse and I had just moved with the military to Hawaii in XXXX of XXXX and closed on a new home in XXXX. We had no money and no credit to open an account especially since my credit score was so low in XXXX of XXXX. I disputed this multiple times with transunion and they have failed to help me. I had to meet with a credit agency in XXXX in order to join the military and that was the last time I ever had an account go to collections which was taken care of in order for me to join. I havent received anything in the mail from this which is just proof that they dont even have my correct address and it isnt me. It took months for me to see this. If it was mine I would be getting mail sent to me about said collection.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I received an email from my financial monitoring company saying a change had been identified in my credit. I then logged on for details and found that I new credit hard had been open in my name. I never opened a credit card with Bank of America ( BOA ). 

Information on credit report- XX/XX/XXXX a XXXX XXXX at Bank of America was open with a limit of {$22000.00}. 
It said number was XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I called Bank of America XXXX XX/XX/XXXX and inquired about the account. I was told they did see an account in my name. I reported it as fraudulent. I wanted more information on how this could happen but had to go due to life demands. 

I then called on XX/XX/XXXX and received several transfers over 43 minutes at which time I had mentioned that this was a fraudulent account multiple times. At this point it appeared that this card is closed but I requested written information on how this even happen which they have not provided me. 

XX/XX/XXXX I received a letter saying that my application had been approved for an application for a credit card of XXXX. I have not opened a credit card with Bank of America. I had even already notified them that this was fraudulent. 

I called again on XX/XX/XXXX to ask for information regarding how a card was opened in my name. 
The first person I spoke with XXXX from the the BOA Fraud Applications department at XXXX who gave me the following information about the application. 
XXXX was an online application reference number XXXX from IP number XXXX located in XXXX XXXX CA ( This is not my IP address or city of residence ). 
She then said I would need to be transferred to another portion of the fraud department ( she could not provide me with a number ). When transferred I received a recording saying my claim had been made and they would be sending me a new card in 10 days. ( I reported fraud not the need for a card. ) I then called again to XXXX to get more information and ask how this account could even still be open after reporting it as fraud multiple times. She said to me that it had been close and she could not see it open and is unsure why they would say that. I asked for written information that the account was close and she said she couldn't provide that but she could send me a copy of the application. I agreed that it would help but still want more information which they have not been able to help me with. She gave me a case Id # for the application request XXXX. 

My credit report still show a credit card with BOA and I need help holding Bank of America responsible for letting the fraud get through and providing me with information that the account is closed and how they can help make sure it is removed from my credit report. 

Please help.
Consumer complaint received 2024-01-11
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. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality un

der 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason
able cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I disputed three accounts from XXXX that are being reported on Equifax, XXXX and XXXX XXXX incorrectly. The last payment date was exactly 1 year before what is stated on my report. It's repored as XXXX and actually is XXXX. The attached documents give exact dates.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

Ensuring payments are always made on time has been a priority for me regarding this account, avoiding any instances of overdue balances. Nevertheless, I'm perplexed by the presence of late payment remarks on my accounts. As per 15 USC 1666b, billing inaccuracies should be addressed.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BUSEY BANK (IL)

Busey Bank had been data breaching my account for over two years now but now it has no information about the issue and the problem has not resolved it has not resolved my concern and has not been fixed for a long period now. Cash flows are not being handled or processed by anyone else in this area and they have been suspended from the bank account for over two weeks and are still being processed and reprocessed as payment processing is done ongoing and continually being reprocessed as needed for the purpose of the transaction to continue to occur as the transaction has not occurred yet in a proper legal proceeding or the process has not occurred at all.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

The creditor Capital One advertised 0 % promotional APR for 12 months on balance transfers. When I logged into the my on-line account, I looked for balance transfer offers and they had the offer for 12 months for 0 % APR for 12 months. he offer was 0 % on balance transfer with 3 % transfer fee and offer expiring before XX/XX/XXXX. I took the offer on XX/XX/XXXX and paid {$300.00} transfer fee. I then made my first payment in the amount of {$350.00} dollar on XX/XX/XXXX. They send me a statement for XX/XX/XXXX charging me {$210.00} finance charges, charging me 26.24 % interest charge. No promotional rate, same rate as purchases. The {$300.00} transfer fee was charged to my account " Special Rate Offer - Fee ''. I called customer service, they couldn't find any such offers and told me they couldn't help and I had to pay it. They can't find any offer where they would charge 3 % transfer fee and you would pay same rate as your purchase rate 26.24 %. 

This is unacceptable. I have done balance transfers before and never seen this before. 
The offer on my existing account was 0 % APR for 12 months with 3 % fee. They are now charging me 26.24 % on top of the 3 % transfer fee.
Consumer complaint received 2024-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

XX/XX/ I decided to look at my credit report and noticed an account I have never been a consumer of : LVNV Funding LLC {$1400.00} LVNV Funding LLC {$1200.00} I am requesting valadation, made pursuant to the Fair Debt Collection Practices Act. Please note that i am requesting " valadation '', that is competent evidence bearing my signature, showing that i have ( or ever had ) some contractual obligation to pay you. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC1962e ] ; therefore, if you can not validate the debt, you must request all reporting agencies delete the entry LVNV FUNDING DOES NOT HAVE A LICENSE TO COLLECT IN MY RESIDING STATE, TEXAS
Consumer complaint received 2024-01-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (FL)

I opened my loan in XX/XX/2022. I have made repeated attempts to access my online mortgage profile and I'm told that there is no solution to access my account. I can't see my payments being posted, the balance of the loan, or the tax information. I have been told they have a system issue with no timeline for resolution. This has continued for 6 months and there is no explanation, no update, and I'm still unable to access my account.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (IL)

Reliant Capital Solutions has called multiple times for a debt owed by someone named XXXX XXXX. I am not XXXX XXXX, and I do not know anyone by that name. The most recent call was today at XXXX XXXX. I spoke with a XXXX XXXX.
Consumer complaint received 2024-01-10
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. (CT)

This account is not mine and are fraudulent. I have submitted a complaint to the FTC, CFPB & my State Attorney General to have this account removed from my credit report ( identity theft report attached here ). The address they have on file is not my address and I never lived there. This account needs to be removed IMMEDIATELY. XXXX and LVNV funding are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

While looking over my credit report and I saw inaccuracies and inconsistencies in the information shared to XXXX, XXXX and XXXX by Capital One. 
This account is negatively impacting my ability to acquire credit.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TN)

Please note that a mere summary of the account or a statement indicating that the debt is valid without supporting documentation is not considered sufficient validation. 
On XX/XX/2023 I specifically and precisely requested the following documents. 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt. I received a response from a totally different company called Resurgent Capital Services whom I also have no affiliation with. On XX/XX/2023 Resurgent Capital Services uploaded 94 pages of documents and not one page of these documents bares my signature as requested nor my photo id which I also requested. I also requested the purchase agreement from the company reporting to my credit report. I have It is obvious that this account that is being reported by Lvnv funding is being reported inaccurately. 
I dispute the validity of this debt and, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you provide me with the necessary documentation to validate, not merely verify, the legitimacy of this debt. 

I understand that the difference between validation and verification is significant in ensuring the accuracy of the information being collected. Verification merely confirms the existence of a debt without providing sufficient evidence of its authenticity. On the other hand, validation requires the presentation of detailed information that confirms the debt is accurate and legitimately owed by me. Being that the company reporting which in this case LVNV funding as well as Resurgent Capital Services are not able to provide me with the requested documents then these items are to be removed immediately and permanently. 

Please note that a mere summary of the account or a statement indicating that the debt is valid without supporting documentation is not considered sufficient validation.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.