davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX TransUnion RE : Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE XXXX Dear TransUnion, The other credit bureau was not able to verify these accounts and was required to remove these accounts. How is that youre able to verify these account and youll have access to the same information. DELETE IMMEDIATELY!! 

I am continually being called on the telephone by different firms for these alleged debts. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXXXXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 
If this issue is not resolved soon and account deleted I will be forced to sue this company for reporting false and inaccurate information. I look forward to a speedy resolution of this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-11-26
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Waypoint Resource Group, LLC (FL)

I am writing to lodge a formal and grave complaint against Waypoint Resource Group , LLC, pertaining to their ongoing and egregious violations of the Fair Debt Collection Practices Act ( FDCPA ), particularly in their handling of a debt they allege I owe. My attempts to resolve this matter have been met with a blatant disregard for legal protocols and consumer rights. Despite my proactive and legally substantiated efforts to dispute this debt, including sending certified letters on XX/XX/XXXX and XX/XX/2023, and a subsequent letter on XX/XX/2023, Waypoint Resource Group , LLC, in conjunction with XXXX XXXX, has failed to provide any form of legitimate debt validation. This is a clear violation of the FDCPA, which mandates that debt collection agencies must cease collection activities until they can verify the debt once it is disputed. Instead of complying with these legal obligations, Waypoint Resource Group , LLC has continued their collection attempts unabated, showing a complete and alarming disregard for federal laws designed to protect consumers. Their actions not only demonstrate an utter lack of due diligence and ethical conduct but also reflect a predatory approach towards debt collection. Such behavior is indicative of a systemic problem within the organization, which I believe warrants a thorough investigation by your office. The impact of this situation on my personal and financial well-being has been substantial, causing undue stress and concern. It is imperative that agencies like Waypoint Resource Group , LLC are held accountable for their actions to prevent such unscrupulous practices from harming other consumers. I urge the CFPB to take my complaint with the utmost seriousness and to consider stringent actions that might include thorough investigation, enforcement of penalties, and ensuring such practices are unequivocally rectified. It is crucial that this matter is not only resolved in my case but also that measures are taken to prevent similar occurrences in the future, thereby upholding the integrity of consumer rights and the efficacy of the FDCPA.
Consumer complaint received 2023-09-13
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. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting my personal non public private information as a consumer credit profile without express written or verbal consent which is in fact identity theft. I asked them to cease reporting of my personal information and was denied. They continue to report anyway pursuant to 15 usc 1681 this is illegal and they are reporting knowingly and willing false and misleading information.
Consumer complaint received 2023-09-13
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. (SC)

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXXXXXX Balance Owed : {$35000.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-11-26
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: CITIBANK, N.A. (FL)

I used a Citi ( R ) Card MasterCard ending in XXXX to pay for my trip from XXXX to XXXX on the website XXXX. A travel agency XXXX XXXX XXXX XXXX. XXXX issued two tickets : XXXX - XXXX - XXXX XXXX ( ticket # XXXX {$180.00} ; attached file " XXXX ) and XXXX XXXX XXXX XXXX XXXX ( ticket # XXXX ; {$700.00} ; attached file " XXXX ). The first flight to XXXX was delayed and I missed the connecting flight. I called XXXX XXXX trying to reschedule my flights XXXX XXXX and XXXX. The airline agent couldn't offer me any flight during the next three day and I asked him to cancel the ticket and to refund. He explained me that only the booking agent ( XXXX  ) can cancel the ticket and request the refund. He gave me XXXX 's phone number and I called them. The XXXX agent agreed to cancel both tickets and seek refunds from the airlines. The itinerary was canceled. 
Later I received the emails from XXXX that asked to confirm the cancellation request. One of the emails informed me that I had to apply for refund of the XXXX XXXX ticket. I did that. 
On XX/XX/ I received an email from XXXX XXXX ( see the attached file " XXXX '' ) that stated that they had refunded the amount of {$100.00} on MasterCard ending in XXXX. I assume that this is the XXXX MasterCard that was used to pay for the ticket. 
I didn't receive any email or call regarding the XXXX XXXX refund ; however, its agent told me during the call that they would refund the cost of the ticket. 
XXXX collected the airline refunds and didn't transfer them on my Citi ( R ) Card MasterCard ending XXXX that was used to pay for the booking. I sent them messages regarding the refunds and didn't get any answer. 
I called to Citi ( R ) Card office and asked to dispute the transaction ( {$880.00} ). It was a payment to XXXX for two tickets. The billing dispute department of CitiCard initiated a cancellation dispute with XXXX and received a misleading response on XX/XX/ ( see the attached file Citi_dispute_attach.pdf ). The response described my communication with them regarding the first ticket and didn't mention the refunds for two tickets that XXXX collected from the airlines. I sent an email with attached documents ( see the attached file XXXX ) to the department describing the essence of the dispute. The department refused to consider documents related to fraud committed by XXXX ( see the attached file Citi_dispute_update.pdf ). 
I have repeatedly appealed to the department staff with a request to reopen the dispute as a fraud investigation, but this did not happen. It looks like the department procedures facilitate fraud. 
XXXX company XXXX XXXX XXXX, which owns the website XXXX, committed fraud, and Citi Card condoned it.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

During the summer of XXXX, I consolidated five loans with Nelnet to XXXX. The five loans were the amounts of {$8700.00}, {$11000.00}, {$10000.00}, {$6000.00}, {$5100.00}, for a total of {$41000.00}. My loan with XXXX included the above amounts and outstanding interest of {$4100.00} for a grand total of {$45000.00}. The loan I am paying with XXXX is {$46000.00} before interest but covers all amounts mentioned above and I was assured that Nelnet was paid off completely. I then logged in shortly after and monitored months later and for years after I had a XXXX balance, which lasted for five years until a couple of months ago when a balance appeared in my credit monitoring app. 

That did not make sense to me and I assumed XXXX would take care of it since I am five years into my ten-year loan. I was shocked when I received a bill from Nelnet with an XX/XX/XXXX due date for the last two loans in that group, ( {$6000.00} and {$5100.00} ). I first called XXXX and a ticket was created to investigate the issue. Then I called Nelnet but could not reach anyone and was on hold for over 2 hours. I sent an email to the XXXX address explaining the above and have been calling since then but no one answers the calls. 

I have been assured by XXXX that they are trying to get to the bottom of this issue but they are not able to view any data before XXXX. Nelnet is still showing past due for loans that were paid five years ago and it is affecting my credit. I have all the documents and provided to both parties that both these loans were XXXX.
Consumer complaint received 2023-11-27
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. (MI)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS, AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE THE FOLLOWING ACCOUNTS AND/OR INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Needs attention {$3000.00} LVNV FUNDING LLC Needs attention {$470.00} LVNV FUNDING LLC Needs attention {$460.00} Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ID)

I had a foreclosure on my home in   XX/XX/XXXX .   XXXX  reported it on my credit in    XX/XX/XXXX   . The charge-off is past the statute of limitations. We tried to purchase a home a year ago, but could not.  XXXX   XXXX  Mortgage contacted  XXXX  telling them this debt ( charge-off of {$35000.00 } ) was to o old and needed to be removed. They refused to remove it, stating we had made payments in   XX/XX/XXXX ,  XX/XX/XXXX  and   XX/XX/XXXX   of that year (  XX/XX/XXXX  ).  We were unable to purchase a home due to their fraudulent claims.     I disputed it with   XXXX   and thankfully they removed it. I have tried to dispute with Equifax (    XX/XX/XXXX    ), but  XXXX  reported we never missed a payment from   XX/XX/XXXX  to  XX/XX/XXXX   and we make payments on the loan ev ery 3-4 months . They have not reported to  XXXX  any payments received by me, but the total amount is still on that report.     We have received settlement opportunities from  XXXX  in the mail with the original amount of {$35000.00}, with a settlement offer of {$30000.00}. If they have reported we paid faithfully from    XX/XX/XXXX - XX/XX/XXXX   , how is the loan the same amount? Clearly, we have not made any payments whatsoever to them since the foreclosure. I have documentation through my banking that no payments have been made to them. Since there are too many bank statements in  a 7-year  period to upload for this claim, we are asking that  XXXX  show " proof '' of my supposed payments to them.     At this point, we are going to have to seek out legal counsel, which would be a hardship to do. But, this has prevented us from purchasing a home, paying high rental rates to rent a home and higher interest rates on everything unnecessarily for the past 3 years. This has been so frustrating and devastating to our family not to be able to own a home after 10 years. We are asking to please offer any kind of solution on how to get this resolved as quickly as possible.     Thank you so much for your time with this sensitive matter. We would greatly appreciate any help.     Sincerely,  XXXX
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC (FL)

I contacted this company in regards to getting a print out of my bank records as I had been using the account since XXXX of 2020. I thought I deleted the account only to find that the account was still active. The representative claimed that although the account remained active since 2020 there were no statements. I advised that this was not possible and that had I not used the account they would have deactivated it. I do not know where my bank records have gone but they have just disappeared from the account for some odd reason.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION (CA)

I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject.

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. 

OPORTUN/XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or OPORTUN/XXXX XXXX XXXXustomer service representative. 

I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692. This account has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.