davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC (OH)

I am receiving harassing phone calls and will be meeting with counsel to file suit against said debtor. 

They have provided no proof that I owe anything it is all hearsay, until the provided information is received the debt is not understood. 

I am giving 30 day response time with all documentation provided, or debt be removed. Per my legal rights.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I am writing to express my dissatisfaction and concern regarding an issue I recently encountered with Fifth Third Bank. On or about XX/XX/2024, I received an email from your institution, which I have attached for your reference. The email, titled " Important Information Regarding Fifth Third Bank Remittance, '' notified me that the payment I made on XX/XX/2024, in the amount of {$3000.00} to XXXX XXXX XXXX, was returned due to an invalid payee address. 
While I understand that errors can occur, what concerns me is the lack of communication from Fifth Third Bank regarding this matter. Despite the notification in the email, I have not received any indication from your bank that the payment was returned to my account or that I have a credit in the same amount. As a customer, I expect transparency and timely communication from my banking institution, especially in cases involving financial transactions. 
I would appreciate it if you could investigate why Fifth Third Bank did not inform me or email me regarding the return of the said payment. Additionally, I kindly request that you provide me with an update on the status of the payment and any actions taken to rectify this issue. 
Please treat this matter with urgency, as it directly affects my financial affairs. I trust that Fifth Third Bank will take the necessary steps to address this situation promptly and prevent similar occurrences in the future. 
Thank you for your attention to this matter. I look forward to receiving your prompt response.
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KS)

I contacted Resurgent Capital a few months back to dispute the debt which I continue to dispute. However, Resurgent has placed this account on my credit bureau ( which I hold is a violation of the Fair Credit Reporting Act ) so I contacted them in an attempt to settle the bill. 

During the call, I made a settlement offer of {$600.00}. First off, the collectors were  extremely rude. I explained I am XXXX and there are no assets for them to come after. I then asked to speak to a supervisor as they refused to even propose the offer to their client. 

Please make a note, of the three people I spoke to ( which can be confirmed by the attached audio recording of the call ) none of them provided the disclosure that " this is an attempt to collect a debt ''. 

All of the reps refused to take the settlement offer to their client which is a violation of the agency relationship as established by law. 

Further, I contend such actions are a violation of the FDCPA. However, at the very least, Resurgent Capital violated the FDCPA by not providing the required disclosure. 

I will be speaking with my family attorney about my options with regard to filing suit against Resurgent Capital.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX XXXX XXXX XXXX XXXX. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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 2023-01-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit limit {$2200.00} past due amount {$2500.00} XXXX CARD has committed Securities Fraud against me and has take Securities against on me without my consent. XXXX XXXX has stolen my Identity and taken Securities against my name.
Consumer complaint received 2022-02-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bliksum, LLC (CA)

I had called LoanMe around XXXX XXXX & I wanted to pay off my loan. They had told me it had got sent to a collections company. The number they had given me was XXXX. I had called them & paid off the amount of {$2900.00}. They had told me the this well be taken off my credit within the next month or so. Ive been checking my credit report & its still on there with a full balance as well.
Consumer complaint received 2023-01-20
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. (SC)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P. (MO)

This is for the following debt collection companies. XXXX XXXX XXXX XXXXXXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to see a copy of the original purchase agreement that show that you legally own this debt by this original creditor. I am also requesting copies of all statements from open to close this account. I want to see proof that you are legal debt collector in my sate. I want see a copy of your bond that shows your legally registered in my state.
Consumer complaint received 2022-02-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp. (SC)

I am now trying to get the loan over to my bank. They are ready to take the loan. They did a VIN search and the lender says XXXX XXXX. I have never even had a loan with XXXX XXXX. I can even get the car refinanced because the title search brings up another lender. 

I have emailed XXXX and it is no surprise I am not getting a response. 

I have never expected this experience from a dealer. This is unbelievable. XXXX has a 1-2 hour phone hold time and the phone hangs up. XXXX customer complaint line has a 1+ hour wait time. This is unbelievable! 

The time I have spent trying to correct these issues. I don't even know where to begin to get the lenders info off of my registration. I am paying XXXX. The VIN is connected to another XXXX partner called XXXX XXXX. I can even get the car refinanced. XXXX is not responding to my emails or returning my phone calls.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (TX)

I have tried to freeze my ARS account with no success. I have followed all of their online guidelines and sent a letter certified mail requesting a security freeze but have not gotten a response back. It has been 2 months
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (MI)

I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to XXXXCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication XXXX in regards to Account name XXXX XXXX Account # : XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.

Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. 
If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

COLLECTIONS XXXX {$1200.00}XX/XX/XXXX/XX/XX/XXXX XXXX {$610.00} XXXX XXXX CR XXXX {$44000.00} XXXX XXXX {$170.00}
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

COLLECTIONS XXXX {$1200.00} XX/XX/XXXX XXXX {$610.00} XXXX XXXX CR XXXX {$44000.00} XXXX XXXX {$170.00}
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

There are accounts that are included on my report that don't belong to me. 
XXXXXXXX XXXX : {$460.00} XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$1500.00} XXXX : {$730.00} XXXX {$1200.00} XXXX Dispute incorrect amount {$10000.00}
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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. 

XXXX : XXXX, 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 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 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank you have violated the FCRA requirements because after I have requested you to stop to reporting my federally protected personal information to third party agency XXXX multiple times with multiple dispute. I have the right to Opt- Out of my federally protected consumer personal information being shared with third party agencies. I have sent via certified mail another dispute letter and Affidavit of Truth with a notarized letter that can only be answered with a Affidavit. I have also attached a copy of the Opt-Out section of the law and a copy of the XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Neon Newco Corporation (VA)

I purchased a visa prepaid card from XXXX. When I got home, there was information on how to activate it through Netspend. I went to www.netspend.com/activation as instructed on the box. When I filled out the required information, it said " Something Went Wrong '' and told me to call XXXX, which I did. I first tried going through the automatic phone messages to activate it, but it seemed to struggle with that as well. It then directed me to operators that asked for the exact same information after transferring me once but getting my name twice. By this point, I was beyond sketched out and refused to give my social security number but I did hesitantly give the last 4 digits. Additionally, they asked for the last deposit made on the card. At this point it feels very much like a man in the middle scam and I could not verify I was actually speaking with netspend 's customer service.
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (MI)

To whom it may concern, I have been in the process of refinancing my home through XXXX XXXX. My current mortgage company is Citimortgage. The process has been on hold for a month due to the lack of cooperation from Citimortgage. To complete the refinance I need to have a Verification of Mortgage from Citimortgage for both my accounts. In order to do this they needed to have a " letter of authorization '' from me. Which I have submitted several times. 
Currently, I am still waiting for them to submit the Verification of Mortgage to XXXX. I have been told they can only fax it to me, they can not fax it to XXXX, even with my authorization. Every time I call, I speak to a different individual, and every time I call I am told that they are sending documents out. Documents have yet to be seen. Then I call back again and they say documents were not sent out, because they need authorization. I am getting absolutely no where and making no progress in my refinance. Now that so much time has been lost, I am very afraid that this situation will have a negative effect on my financial situation. I have a son who is graduating this year from XXXX school, we are trying to make a college decision. I also will stop receiving child support the day he graduates. I do not think Citimortgage has the right to delay the process of the refinance. Their business practices are awful, not XXXX customer service representative can be held responsible because you can never reach the same XXXX again. 

I am very frustrated, concerned that my refinance will not happen because of their gross neglect to respond to me or XXXX.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (NV)

I received an email t thought from PayPal about a purchase a purchase I supposedly made and did not. I was asked to call a number XXXX if I had questions, which I did. There process included downloading on XXXX for remote screen sharing and asking me to open my primary debit account and my PayPal account, at this point I questioned there process for credit card fraud and terminated the call. I believe it was an attempt to access my accounts.
Consumer complaint received 2021-06-18
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: Southwest Credit Systems, L.P. (MD)

I filed a police and FTC report after realizing that some accounts like this one were unauthorized by me and this is damaging my credit worthiness ... I dont know who stole my information and authorized this transactions.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (TX)

Date- XXXX-2021 To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX