davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I am writing to formally lodge a complaint against Resurgence Capital and LVNV Funding regarding the persistent and unlawful attempts to collect a debt that is not mine. I request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to rectify this situation and halt these inappropri

ate collection activities. Details of the Complaint : 1. Debt Collectio
n Contact Violations : Resurgence Capital an

d LVNV Funding have repeatedly contacted me regarding an alleged debt, despite my clear communications indicating that the debt is not mine. This continuous contact is in direct violation of 15 USC 1692c, which outlines that a debt collector may not communicate with a consumer if the consumer has informed them that the debt is disputed or if the consumer has requested the cessation of communication. 2. Failure to Validate
Debt : Upon initial contact from Resurgence Capital and LVNV Funding, I promptly requested validation of the debt, as is my right under 15 USC 1692g. Despite my request, they have failed to provide any substantive proof that the debt in question is indeed mine. This failure to validate the debt is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Specific Violations Cited : 15 USC 1692c ( c ) : Communication in connection with debt collection - Ceasing communication. Resurgence Capital and LVNV Funding continued to contact me despite my request to cease communication.

15 USC 1692g ( b ) : Validation of debts. Resurgence Capital and LVNV Funding failed to cease collection of the debt until they provided proper validation of the debt, which they have not done. 
Remedial Actions Requested : An immediate cessation of all communications from Resurgence Capital and LVNV Funding regarding the alleged debt. 
A thorough investigation by the CFPB into the practices of Resurgence Capital and LVNV Funding to ensure compliance with the FDCPA and other relevant regulations. 
The removal of any negative credit reporting related to this alleged debt, as it is not mine and has not been validated. 
Confirmation from Resurgence Capital and LVNV Funding that they will no longer pursue this debt from me in any capacity.

I have enclosed copies of all correspondence related to this matter for your review. This includes my initial requests for debt validation and any responses received, or lack thereof, from Resurgence Capital and LVNV Funding.

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary actions to protect my rights and ensure that these companies adhere to the legal standards set forth under the FDCPA.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I am writing to dispute an item on my credit report that I believe is outdated and should no longer report on my credit report. It appears to be reporting information that is no longer relevant to my current financial situation.
Consumer complaint received 2024-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (OH)

To Whom It May Concern, I am writing to file a formal complaint against Radius Global Solutions, LLC for their debt collection practices, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 

On XX/XX/year>, I received a debt collection notice from Radius Global Solutions, LLC regarding a debt they claim I owe. The reference number for this notice is XXXX, and the amount they are attempting to collect is {$3400.00}. However, they have failed to provide any proof of this debt, including a detailed payment history, my signature on a contract, any insurance claim filed on this debt, and the original payment terms. 

According to 15 U.S.C. 1692g, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Radius Global Solutions, LLC has failed to provide any of the above information, despite my repeated requests. Additionally, they have made a " resolution offer '' of {$3400.00} without providing any proof of the debt.

I demand that Radius Global Solutions, LLC cease and desist all collection activities against me until they provide the required information and proof of the debt. Failure to comply with the FDCPA may result in legal action.

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-06-08
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: NCB Management Services Inc. (OH)

To Whom It May Concern, I am writing to file a formal complaint against NCB Management Services , Inc. for their debt collection practices, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 

On XX/XX/year>, I received a debt collection notice from NCB Management Services , Inc. regarding a debt they claim I owe. However, they have failed to provide any proof of this debt, including a detailed payment history, my signature on a contract, any insurance claim filed on this debt, and proof of chain of title.

According to 15 U.S.C. 1692g, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 4. A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and 5. A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

NCB Management Services , Inc. has failed to provide any of the above information, despite my repeated requests. Additionally, they have made malicious and extreme threats against me, which is a violation of the FDCPA.

I demand that NCB Management Services , Inc. cease and desist all collection activities against me until they provide the required information and proof of the debt. Failure to comply with the FDCPA may result in legal action.

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2017-03-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

been trying for over 3 years with nationstar for a load mod., in that time i have worked with over 100 of thier workers never the same person which is not good when you trying for something so important, i have mailed or faxed what they keep asking for only them to syy they never recieved it or needed more, i was always willing to send because this house is important to myself and my XXXX wife i have read where nationstar does this all the time i need your help that
Consumer complaint received 2024-07-01
Product: Credit 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: SOFI TECHNOLOGIES, INC. (WA)

An authorized transaction of {$48.00} was put on my CC on XX/XX/year>. I made the complaint to my Credit Card Bank, which initially gave me credit for this amount but later XX/XX/year> put the charge back on my credit card. 


The Credit Card Bank 's Fraud & Dispute team is not responsive or helpful. I have made multiple calls to them, and I only heard back by mail that they have determined the transaction ( s ) are authorized and valid. 

The Credit Card Bank 's Fraud & Dispute team concluded the investigation without reaching out to me for any information.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am particularly concerned about inaccuracies in my credit report. I can confirm that the name " XXXX XXXX XXXX '' and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that XXXX investigate these inaccuracies and remove the incorrect name and addresses from my credit report promptly. This incorrect information not only compromises the accuracy of my credit report but also has the potential to impact my financial standing. 

Enclosed with this letter are copies of documents to verify my identity and current address, including a government-issued ID and a recent utility bill. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate and up-to-date. I kindly request that you take immediate action to rectify these errors. 

Please provide me with written confirmation once the incorrect information has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill
Consumer complaint received 2024-05-19
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. (GA)

Subject : Dispute of Charge-Off Account on Credit Report To Whom It May Concern, I am writing to dispute a charge-off account that is appearing on my credit report. The account in question is with XXXX XXXX, and it has been marked as charged-off. However, I have recently received a 1099-C form from XXXX XXXX indicating that the debt has been settled.

Despite the debt being settled and written off by the original creditor, the account is still showing a balance on my credit report. This inaccurate information is adversely affecting my credit score and financial reputation. 

Enclosed with this letter are copies of the 1099-C form and any other relevant documentation supporting the resolution of this debt. I kindly request that you investigate this matter and remove the inaccurate information from my credit report as soon as possible. 

According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information on my credit report is accurate and up-to-date. Failure to do so may result in legal action. 

Please provide me with written confirmation once the disputed item has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of 1099-C form Any other relevant documentation
Consumer complaint received 2024-05-18
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: LEXISNEXIS (SC)

I recently wrote a letter to the US Bankruptcy Court, and they validated to me that they do not report to anyone, I sent a dispute letter to each reporting credit bureau to provide me with proof of how this was verified. This information is inaccurate 15 U.S. CODE 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information. 

XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/2023 Reference # XXXX XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported XXXX # XXXX
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (CA)

Without prior notice or a clear explanation, my account was closed, leaving me bewildered and concerned about the rationale behind this decision. 

When I initially discovered that my account had been closed, I immediately sought to appeal the decision, despite not being provided any specific details about the reason for the closure. Unfortunately, my appeal was swiftly denied without any additional information or clarification. This lack of transparency is deeply troubling and has left me in a state of confusion and distress. 

Over the past few weeks, I have made numerous attempts to contact Wise for more information regarding the decision to close my account. Each time, I was assured that I would receive further details, yet no substantive information has been provided. The culmination of this ordeal occurred during a recent phone call, where I was met with a rude and dismissive customer service representative who informed me that the account closure was final and that I was permanently banned from using Wise. The representative mentioned that such decisions are typically based on account activity, despite my account having had no activity since XX/XX/XXXX. 

This entire experience has been deeply frustrating and disheartening. The lack of transparency and refusal to provide a clear rationale for the account closure raises serious concerns about the fairness and integrity of Wise 's decision-making processes. It is particularly concerning that decisions of this magnitude can be made without offering affected customers any form of explanation or recourse. 

The arbitrary nature of this decision, coupled with the lack of communication and the dismissive attitude of your customer service representative, makes me feel that I am being treated unfairly and potentially discriminated against. As a customer, I believe I have the right to understand the reasons behind actions that significantly impact my ability to manage my finances.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (WI)

I've noticed Lexis Nexis is reporting a bankruptcy on my report inaccurately. I have attempted to dispute this info with the company and have gotten no where. I have reached out to the Bankruptcy court of Wisconsin and was told that they DO NOT REPORT NOR VERIFY INFO for bankruptcies. I would like this inaccurate/false information removed from my report entirely and immediately.
Consumer complaint received 2024-05-10
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: LEXISNEXIS (AL)

This dispute is in continuation of remedy to dispute XXXX in duty of furnisher and unlawful use of information contained in my consumer file. 

To this date I have still not recieved any lawful communication of the deletion of this information as their failure to respond in the time period leaves no other option 15usc1681i ( 5 ) Any communication other than that of the lawful remedy of deletion is null and void since first day of failure to respond date. 

I will also be presenting this as further evidence of proper dispute to lawful persons in order to start litigation intervention in which I will seek actual damages in accordance to 15usc15 and 15usc1681n
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX
Consumer complaint received 2024-05-10
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: SYNCHRONY FINANCIAL (TX)

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX XXXX that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-05-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

My car was totaled out and the car was financed through XXXX XXXX. XXXX paid the company so Im not sure why there is a XXXX balance reported to my credit report and also sold Jefferson. That is a violation of my consumer rights .So both are sitting on my credit report without my permission I am not aware of this balance and was never notified of such
Consumer complaint received 2023-12-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (CO)

Hello, wise bank deactivated my account whitout any reason whit more than XXXX $ usd, i try to contact them but i failed, i need my money, becasue it's a legal money, and i have a legal LLC in US, and all my money is coming from XXXX  payement
Consumer complaint received 2024-05-14
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: W&A Intermediate Co., LLC (MO)

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.
Consumer complaint received 2023-10-25
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: Experian Information Solutions Inc. (NY)

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 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 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Credit recovery services called me at XXXX XXXX, well past Florida law time of XXXX. They call often, from spoofed numbers. Many of the times they call after XXXX. I am sick of this harassment that is breaking Florida law. I want damages.
Consumer complaint received 2024-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

On XX/XX/2024, I submitted a dispute to XXXX regarding this account. XXXX performed a review on this account as well as the Consumer Law and contacted PRA and this account was IMMEDIATELY deleted within the exact same day in which they received my dispute ( attached ). This is in reference to Portfolio Recovery Associates, account # XXXX Applicable Consumer Law : " Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. The company also has no permission to report anything using my info., pursuant to 15 USC 1681 4. '' XXXX and XXXX are required to be XXXX  % accurate and XXXX  % verifiable. Therefore they are mandated, just as XXXX, to delete this account from my consumer profile without delay.