davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION (FL)

Webster Bank has an online " Bill Pay '' service that I use. They sent a vendor that I pay bi-monthly double payments instead of just the 1 payment I requested be sent. They did this multiple times even though I went online and checked to see that I had not accidentally submitted the payment twice... I had not. When I called to inquire about the double payments, I was told nothing could be done. I was informed that I could not speak to a manager because no one was available. I asked to have a manager call me back and I was told they do not make call backs. The representatives said that he would submit a claim as a solution. He could not verify that the double payments would not continue to happen nor provide a solution to the problem.
Consumer complaint received 2024-04-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC. (TX)

Straight to the facts, I believe we the victims of fraudulent lending practices by the finance company and dealership. We received our notice to repossess the day after it was repossessed. Our loan had an an extended warranty added to it, that we were told was already on the car. The vehicle was not serviced as the dealer told us it was, they changed the mileage of the vehicle at the last moment right before we signed. It was a work vehicle. It broke down 5 weeks after purchase, and repairs werent covered on that extended warranty plan. We had to take back to the service department a total of 6 times in 8weeks we lost a total of 19 work days, we own XXXX XXXX XXXX, no vehicle, no work. We were in constant communication with Santander, we were late with payments because of the vehicles condition being sold under false conditions. The vehicle ran out of oil, a day after we had to pay {$1500.00} to get it repaired, they added {$3000.00} to the cost of the vehicle for extended warranty and never gave us any paperwork or details of what that was until we made a complaint. The service department lost our skid plate in one of the service appointments. They couldnt provide a loaner vehicle at all, but they did when we purchased it so they could finish the full service which when we broke down all the vehicles fluids were extremely low, only 5 weeks after service and purchase. 20,000 mileage difference from what was advertised to what we got. I wouldnt have even looked at a vehicle in that range. We lost our business because of this issue, we sank further in debt and now are facing bankruptcy. And now both of our credit reports are destroyed so no chance of recovery. The dealer and finance company both have said, sorry thats just business. We only needed a few more days to make another payment. Now are business bank account was closed for high risk, we are about to lose our rental home, our credit card that we put the down payment on is over the max and behind and it falls back to these two companies destroying our lives
Consumer complaint received 2024-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

3rd party company Is reporting negative false information on my credit report. I don't have a contract with Midland Credit Management.I need original contract with my sign where it shows I owe them this debt. XXXX keeps denying to get this matter resolved.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Please promptly eliminate the unauthorized and fraudulent inquires from my credit report. thank you 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
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P. (TX)

I nave recenty found on my credit report the presence C several inquires as entries separate from their corresponding accounts. These inquires duplicate inaccurately the information in my file. The inquiry entries should be deleted or at least merged into the accounts to which they belong Under the provisions of the Fair Credit Reporting Act 15 USC Section 1681i, please reinvestigate and delete these disputed items, and send me the names and addresses of persons contacted. Under 15 USC Section 1681i ( 5 ) ( A ), you are allowed thirty days from receipt of The purpose of this credit repair letter to complete these actions, unless you immediately notify me otherwise. Please understand that failure to re-verify these items within this time constitutes non-verification, and the items must be promptly deleted as per Section 1681i ( a ).

Also, according to 15 USC Section 1681i ( D ) of the Fair Credit Reporting Act, please notify me when the items have been deleted, and send an updated copy of my credit iport to the address below.

There should be no charge for notification of changes on my credit report, pursuant to 15 USC section 1681j, of the Fair Credit Reporting Act. 

I appreciate your assistance with this matter.
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (GA)

on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of .....

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.

THEY NEVER RESPONDED
Consumer complaint received 2016-07-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (FL)

JH Portfolio Debt Equity has placed a collection on my credit report which was from a old XXXX Account which I have not made a payment on this account since that XX/XX/XXXX. When JH Portfolio Debt Equity was called they said according to their records I made a payment on XXXX/XXXX/XXXX to XXXX which is not true it is a complete lie. Because this false information is on my credit report I can not obtain a loan for my son to go to college. A dear friend of Mine has been in communication with this company and I have made a copy of all the correspondence which she has sent to this company
Consumer complaint received 2024-03-10
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)

Complaint Against LVNV Funding LLC c/o Resurgent Capital Services for Failure to Respond to Debt Validation Letter. 

Dear XXXX, I am writing to file a formal complaint against LVNV Funding LLC XXXX/o Resurgent Capital Services for their failure to respond to my debt validation letter dated XX/XX/2024. Despite my explicit request for verification of the debt, LVNV Funding LLC has neglected to provide the necessary documentation within the legally mandated timeframe. 

As outlined in my original correspondence, I provided LVNV Funding LLC with ample opportunity to furnish the supporting documents and probable evidence regarding the alleged debt referenced by account number XXXX. However, despite the passage of more than 30 days from the date of my initial letter, LVNV Funding LLC has failed to comply with federal laws governing debt validation. 

Their willful negligence in addressing my concerns not only violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practice Act but also exacerbates the financial distress and emotional burden I have endured due to this unresolved matter. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that LVNV Funding LLC c/o Resurgent Capital Services fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

The debt collector is in clear violation of the federal laws listed : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b 804. Acquisition of location information, 15 USC 1692c 805. Communication in connection with debt collection, 15 USC 1692d 806. Harassment or abuse, 15 USC 1692e 807. False or misleading representations, 15 USC 1692f 808. Unfair practices, 15 USC 1692g 809. Validation of debts, 15 USC 1692i 811. Legal actions by debt collectors, 15 USC 1692j 812. Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

FDCPA 809 ( b ), 15 USC 1692d 806, 15 USC 1692c, 805, FCRA 15 U.S.C. 1681c, 15 U.S.C. 1681e, 15 U.S.C. 1681i, 15 U.S.C. 1681n, and 15 U.S.C. 1681o, has resulted in significant harm to my financial well-being and reputation.

Please find enclosed a copy of my original debt validation letter sent to LVNV Funding LLC c/o Resurgent Capital Services for your reference.

Thank you for your attention to this matter.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

ALL " CRA '' FAIL TO SEND UPDATD REPORT AND RAPID RESCORE REQUESTED ON ABOUT XXXX FILE # XXXX ( XX/XX/21 ) AND NEVER RECEIVED ANY CREDIT REPORTS TO HOME ADDRESS STATED ON FILE
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

Here are the details and what I kindly request : 1. Debt Validation Needed : I've yet to receive comprehensive validation for the alleged debt, as required under 12 CFR 1006.34 ( b ) ( 5 ). Understanding the specifics of this debt is crucial for me, including the amount and any documentation linking it directly to me.

2. Documentation on Debt Ownership : Could you please provide the purchase agreement between your agency and the original creditor? This request is based on my right to see proof of your authority to collect this debt, ensuring transparency and compliance with legal standards.

3. Proof of Licensing and Bonding : In the spirit of due diligence, I ask for evidence of your agency 's licensing and bonding to operate within my state. This requirement, aiming to protect consumers, aligns with general legal expectations for debt collection practices.

4. Missed Opportunity to Dispute : Addressing a critical issue, it's concerning that I was never provided the opportunity to dispute the alleged debt, as protected under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This gap in the process has significantly hindered my ability to ensure the accuracy and fairness in the handling of this debt. The Fair Debt Collection Practices Act ( FDCPA ), as specified in 15 U.S.C. 1692g ( a ), mandates the delivery of such notice. This is essential for providing consumers the chance to dispute or verify the claimed debt. The lack of any formal notification, substantiated by the absence of a certified mail receipt as proof of my informed status, starkly removes verifiable evidence that I was notified about this debt. This absence not only deprives me of my federal right to dispute but also places me at a disadvantage in safeguarding the integrity of my credit report. Given these circumstances, I kindly request that your agency provide me with proof of the certified letter purportedly sent as notification of this debt. This documentation is crucial for verifying that my rights under federal law were respected and that I was indeed given a fair opportunity to dispute the debt in question.

5. Concerns Over Credit Reporting : The presence of this collection on my credit report, without proper validation or the chance to dispute, raises serious concerns. Reporting such unverified debt contradicts the principles set by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which guide accurate and fair debt reporting.
Consumer complaint received 2021-11-02
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: U.S. BANCORP (PA)

on XXXX, i was reviewing a copy of my credit report and i seen some account that were opened in XX/XX/2021 and XX/XX/2021. I did not open these accounts and i would like to get them removed ASAP.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

Here are the details and what I kindly request : 1. Debt Validation Needed : I've yet to receive comprehensive validation for the alleged debt, as required under 12 CFR 1006.34 ( b ) ( 5 ). Understanding the specifics of this debt is crucial for me, including the amount and any documentation linking it directly to me.

2. Documentation on Debt Ownership : Could you please provide the purchase agreement between your agency and the original creditor? This request is based on my right to see proof of your authority to collect this debt, ensuring transparency and compliance with legal standards.

3. Proof of Licensing and Bonding : In the spirit of due diligence, I ask for evidence of your agency 's licensing and bonding to operate within my state. This requirement, aiming to protect consumers, aligns with general legal expectations for debt collection practices.

4. Missed Opportunity to Dispute : Addressing a critical issue, it's concerning that I was never provided the opportunity to dispute the alleged debt, as protected under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This gap in the process has significantly hindered my ability to ensure the accuracy and fairness in the handling of this debt. The Fair Debt Collection Practices Act ( FDCPA ), as specified in 15 U.S.C. 1692g ( a ), mandates the delivery of such notice. This is essential for providing consumers the chance to dispute or verify the claimed debt. The lack of any formal notification, substantiated by the absence of a certified mail receipt as proof of my informed status, starkly removes verifiable evidence that I was notified about this debt. This absence not only deprives me of my federal right to dispute but also places me at a disadvantage in safeguarding the integrity of my credit report. Given these circumstances, I kindly request that your agency provide me with proof of the certified letter purportedly sent as notification of this debt. This documentation is crucial for verifying that my rights under federal law were respected and that I was indeed given a fair opportunity to dispute the debt in question. 
5. Concerns Over Credit Reporting : The presence of this collection on my credit report, without proper validation or the chance to dispute, raises serious concerns. Reporting such unverified debt contradicts the principles set by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which guide accurate and fair debt reporting.
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I currently have a consumer credit card issued by Bank of America. At the beginning of the current Pandemic in XXXX, I apparently overlooked a payment due date and submitted my payment a few days late. I paid the balance minus the {$28.00} fee and submitted a letter to the address provided by the card issuer. I specifically asked that this fee be waived due to the extraordinary circumstances of the global Pandemic. In addition, I asked to have my payment date changed to better align with my monthly payday. I received a letter back weeks later form Bank of America that only addressed the change in due date. BofA suggested they couldn't change the date but provided no reason why. In addition, they made no mention of my other inquiry in removing the late charge. I have subsequently paid each month 's balance minus the late change and am still be charged {$25.00} late fees for the month of XXXX and XXXX. I have tried to call their toll free number ; however, the automated system they use will not forward you to a live person unless it fits their prescribed menu options. It also literally hangs up on you if you continue to ask for a person to talk. This Bank has apparently lost focus on what keeps loyal clients and has totally ignored the impacts of Covid-19 from my case.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (CA)

I was notified by my credit app that I use through my personal checking on XXXX XXXX XXXX  of a new credit alert which had drop my credit score XXXX XXXX. Even though the account stated that it was paid off fully account balance is XXXX and still it appears on my credit report as a negative as well as close account with a balance of XXXX as some other amount. I have no knowledge of this account and the name is on the account is not the name I use that is on my documents given at birth.
Consumer complaint received 2020-07-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

Hello. I'm applying for a XXXX XXXX XXXX through XXXX XXXX to assist minority businesses affected by COVID-19. PNC will not permit me to link my account to the application in order to receive the grant funds faster.
Consumer complaint received 2024-03-10
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: JPMORGAN CHASE & CO. (CA)

I called the Chase Marriott Bonvoy VISA phone number three times. The first time ( date, probably around the beginning of XX/XX/2024 ), the rep said that she saw I had fulfilled the minimum night stay to receive the XXXX point bonus. She said that I would receive an email within 48 hours confirming the transfer of points and then see the points deposited to my Bonvoy account within 10 days. On XX/XX/2024, after not receiving either an email or the credit, I called XXXX  back and spoke with a representative who said, No worries, she would take care of this right away and apologies for the delay. Nothing happened. I called back again on XX/XX/2024 and spoke with XXXX, who is a supervisor, and told me she would escalate the case, and that I would receive a response within 7-10 business days. I did in fact receive a electronic letter via Chase 's web portal, which simply said that I need to contact Marriott Bonvoy to deposit the points. In other words, it's not their problem. However, throughout the entire process outlined above, I called Marriott Bonvoy as well ( 2 times plus reached out via XXXX  ) and they said that because the bonus offer was made through XXXX, XXXX  is responsible for crediting my account. To quote the Marriott rep : " the card member benefits and promos are at the sole discretion of the financial institution that administers the credit card. ''