davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX RE : Application Fee for XXXX XXXX XXXX {$250.00} On XX/XX/year>, I paid an application fee in the amount of {$250.00}, for the purposes of my son XXXX XXXX XXXX interest in renting an apartment from XXXX XXXX XXXX. 
During the processing of the application, I was listed as a co-signer. During the process, I called to get status and was told that you must have at least XXXX or higher score to rent from XXXX. 

I was not made aware of the XXXX score although my son was handling the application process, that perfectly fine. However, XXXX was led to believe that he would get the {$250.00} Back If he didnt get the apartment. He was then told something different after and so I disputed the transaction with Bank XXXX XXXX. 

During the dispute process with XXXX XXXX XXXXXXXX, XXXX XXXX was able to submit information for applying and if denied no refund will be given. I never received a denial letter stating that my credit was denied instead, the XXXX score was my denial. 

I received several collection letters in the mail stating that I owed the application fee. I even called and emailed the XXXX XXXX  XXXX letter to XXXX XXXX informing them that the fee was paid. After speaking with XXXX XXXX XXXX from National Credit Systems Inc, I was told that the fee was not paid, and its been well over sixty days that this fee in question will appear on my credit report. 

This is foul, deliberate and downright vicious on XXXX XXXX / XXXX and National Credit Systems, that this paid application fee was place on my credit report. 


Im still waiting on the management to give me a call regarding this from XX/XX/year> Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

For my Citibank issued XXXX XXXX XXXX, I recently made a additional payment on XX/XX/year> which was above the minimum payment due and the additional payment was not applied to a higher interest rate balance as required by law.
Consumer complaint received 2024-10-25
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: COOLEY ENTERPRISES INC (TX)

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (FL)

Credence resource management continually called and also shared my personal information with someone other than myself. This is an account they received from XXXX   which was cancelled after 15 years because of them slowing bandspeeds on unlimited and causing us to have no service in XXXX XXXX. I called XXXX multiple times between XXXX & XXXX. XXXX agreed to adjust billing and never did, I then went with XXXX and ported all numbers. I will not negotiate with these loan sharks collectors and will persuit $ $ $ for sharing personal & confidential information by mail with My son. Get this off my credit report immediately!!!!!
Consumer complaint received 2023-02-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: W&A Intermediate Co., LLC (NV)

no knowledge of these accounts. no contract with these companies. please remove, they reposted this account. reporting innacuretly across the bureaus, no account info, this is violationg consumer law.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

I am writing to formally dispute a debt that I believe is inaccurately reported on my credit report. My name is XXXX XXXX, and my Social is XXXX my last four, which you can use to locate my records. 

The debts in question is listed under the name of RESURGENT/LVNV CAPITAL SERVICES ACCT 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  have thoroughly reviewed my financial records and can confirm that this debt does not belong to me. 

I suspect that this may be a case of mistaken identity or clerical error, as I have no association with this account. To support my claim, I have enclosed copies of relevant documents, such as my credit report, identification, and identity theft report from bank for cyber attack I kindly request that you investigate this matter and remove the erroneous debt from my credit report. I would appreciate a prompt response confirming the receipt of this letter and informing me of the actions you will take regarding this dispute. 

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

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

PORTFOLIO RECOVERY Company is reporting wrong {$300.00} amount unfair that they're reporting a new date for collection when they don't have original date of collection I did not get no debt from them on the date that they have advertised. Have not proven that I owe this amount to me I like to see original documents of that and original debt date of opening they keep putting new debt dates up that I did not receive or started our account on the date
Consumer complaint received 2023-02-03
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LoanCare, LLC (SC)

There is an ongoing billing error dispute in which was initiated by me and is still currently being disputed. There have been several violations committed by the company during the dispute invading consumer financial protection bureau laws : XXXX XXXX, XXXX : Company sent a letter threatening to report nonpayment to the credit bureau if not received 30 days from the XX/XX/XXXX ( Adverse credit reports prohibited ) - Several phone calls from customer service and the default department to make a payment during the dispute ( Consumer 's right to withhold disputed amount ; collection action prohibited. ) -The company is not providing full disclosure in contract -The entire principal balance is in dispute since XX/XX/XXXX. There were several attempts to settle the debt. 
- Request specific documents from the company but did not receive them in a timely manner -Abuse of debt collection practice -Failure to validate debt or provide proof of funds
Consumer complaint received 2023-02-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I've disputed 4 erroneous items from the consumer report that are falsely reporting by Equifax. It has been over 30 days since the dispute cases opened. Some odd reason the confirmation for those disputes is not available online in an " Under Review '' status. I've called numerous times with no answers as to why it is not showing the confirmation number. I know I submitted this dispute late XXXX or early XXXX. Guessing between XXXX XXXX to probably XXXX XXXX. It is XX/XX/XXXX usually a respond is made before 30days.

It currently says no disputes are opened online. When I call in there are open but, I'm also unable to open a dispute on the items as they are already under dispute but, the portal claim otherwise.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MI)

On XXXX2024, my wife and I attempted to withdraw {$9000.00} from our Marcus by Goldman High Yield Savings account, and the withdrawal attempt was denied. When I called, I was told that the account was funded against their XXXX as it was funded by a business checking account from another bank that I own and am on the account for. Confused, they further told me that the interest accrued from the account, which has been open since XXXX of 2024 was null and void. I have requested that my {$500000.00} that I funded my account with transfer back to the original business account, and there has been no confirmation that the transfer was successful. Further, they are keeping the interest accrued despite seeing nothing in their XXXX  stating otherwise. All I could find was the following statement : " We only offer accounts to natural persons. Accounts XXXX only be used for personal, family, or household purposes, and can not be opened or maintained for business purposes. '' There is nothing else that states otherwise that I have seen that states I couldn't fund my high yield savings account with money from my business checking account.
Consumer complaint received 2024-10-28
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (LA)

In XXXXXXXX XXXX XXXX, citibank XXXX started adding penality interest rates ( XXXX ) to my account. I called trying to get a balance payoff and was told that I have to pay the account in full to get an adjustment. My bill balance has become very high. I simply want to pay what I owe which is appx {$7000.00}.
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

LVNV FUNDING LLC is reporting inaccurate, harmful collection information on my credit report. 

I do not owe XXXX XXXX XXXX any debt as the debts were charged off and closed/settled. My consumer information was SOLD to debt collection LVNV FUNDING LLC - RESURGENT - by XXXX who XXXXre privately held FOR PROFIT companies. 

LVNV FUNDING LLC did NOT provide me with the original contracts for the original creditor, XXXX XXXX XXXX. They are attempting to collect debts that no longer exist as well as are reporting MONTH OVER MONTH each account as LATE and are DEFAMING MY CHARACTER. 

LVNV FUNDING LLC is a DEBT BUYER. I do NOT have nor have knowledge of any contract with them. They are not the original creditor. Aforementioned, the debts were charged off and closed/settled by original creditors. 

ACCT NAME : LVNV FUNDING LLC ACCT # : XXXX XXXX : {$1100.00} ACCT NAME : LVNV FUNDING LLC ACCT # : XXXX AMT : {$1400.00} I DEMAND THESE FRAUDULENT DEBT BUYERS DELETE THEIR ACCOUNTS FROM MY CREDIT REPORTS AND FROM XXXX, XXXX, AND XXXX IMMEDIATELY.
Consumer complaint received 2023-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC (CA)

In XX/XX/2022, Valor VIP called me XXXX  times with the number XXXX. When I picked up, no one spoke, which seemed like a robocall or gathering voice samples for phishing. I later XXXX  and learned that they were a debt collection company, but I had no debt. I didn't understand why they repeatedly bothered me.

I hope they stop calling people unrelated with their business.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SANTANDER HOLDINGS USA, INC. (OK)

Please note that XXXX my identify was stolen,. XXXX to current due to XXXX etc. I am requesting and disputing information placed on my credit etc. 
Due to identity theft and different individual taking care of me during my recovery my credit is being reviewed. 

I have requested these docs before to no avail. 
So again, please send all signed docs related to this collecrion within 15 days of this letter XXXX customer rep stated that they investigated the matter but failed to provide me with info on how they investigated the acct. thoroughly, according to US 1681 Section 7. Considering they were provided with a police report, they know my information was breached on their end twice and i pay for their credit freeze but to now avail i still have items appearing on my credit or extra SS attacked or other names and address
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC (FL)

XXXX XXXX with my wet signature on it? 
Creditors information address location phone number and agent that talk to me personally? 
Proof of payment history payments made and payments not made dates and issue documents? 
Proof of ownership and Authorization to collect?
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: American Financial Network Inc. (MA)

I ran your credit and your median score is XXXX and when I priced out the mortgage based on the mortgage amount you closed, the $ XXXX appraised value, your debt to income ratio, etc. the FHA rate ( for a cash out refinance ) with no points would have been in the 3.375-3.50 % range. You closed at a rate of 3.625 % and were charged XXXX points = {$6900.00} plus a {$990.00} commitment fee and a {$890.00} processing fee. If I were you I would contact the loan originator and inquire about these fees, starting with the points where I do not believe you should have been charged these based on your credit score and loan to value ( amount of equity ). I looked up his name that is on the recorded mortgage document : XXXX XXXX XXXX XXXX XXXX XXXX ( NMLS # XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation (LA)

I wanted ORIGINAL written verification of debt to validate their claim and that it's mine. 
They just ignore what I'm asking for and keep asking " How do you want to pay this debt? '' They are rude and just say company name and say " you owe and how do you want to pay? ''
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TX)

This is my fifth ( 5th ) attempt to obtain this document. Background : I was informed by a representative of the XXXX XXXX XXXX that LexisNexis is reporting inaccurate information about my driving history, suggesting that I was involved in an accident that never took place. I therefore requested a copy of my LexisNexis alleged driving history report directly from LexisNexis. I did this on two different occasions using their website XXXX  ( their preferred method of requesting these reports ). My first request was made on XX/XX/year>XXXX  ; my second request was made on XX/XX/year>. On both occasions, Lexis/Nexis refused to provide the report. Instead, they sent a denial letter. They did not give a clear and definite reason for making their refusal, other than that they claimed they were unable to " authenticate '' my identity. However, on both occasions, I entered all of the information that they requested, including my driver 's license number. I then contacted their customer service department to request the report verbally. Again, I provided all the information that was requested, including my driver 's license number. This was at the beginning of XXXX. The customer service representative insisted that all information looked correct and complete and that I would be receiving a hard copy report by mail within the federally mandated response time. At the conclusion of the call, I again asked the customer service rep to make sure that there were no potential problems with the request and was assured that I would be receiving a report. I have not received the aforementioned report, and in this last instance, I did not even receive a letter from Lexis/Nexis denying my request. Instead, they seem to have simply ignored my request. Most recently, on XX/XX/year>, I filed a complaint here with the CFPB ( XXXX ), again requesting the document. Once again, LexisNexis promised to comply and stated that they would provide the requested document ( see attached ). However, I have still not received it ( today is XX/XX/year> ).
Consumer complaint received 2024-10-28
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 (NY)

There is a report I do not recognize that is for a company called COAF which Ive never had any contact with or have Hurd of it says the hard inquiry occurred on XX/XX/year> I dont know how this has happened I would like to dispute it.
Consumer complaint received 2024-10-25
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (LA)

Please see original complaint, I mentioned FOUR companies. I only received a reply from you regarding XXXX XXXX XXXX 

HOWEVER, I mentioned others : ** XXXX XXXX XXXX XXXX ** IC SYSTEM
Consumer complaint received 2020-01-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

I am reaching out because I had a modification done on my mortgage in XXXX which started in XXXX. My property address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. My name is XXXX XXXX. This was because my payments were deferred in XXXX due to me being in a disaster area. I was never informed that after the 3 months, I would owe three months of payments so the mortgage company told me to do a modification to have those payments tacked to the back of my loan. 

The process with the bank was confusing, exhausting and drawn out. I barely received guidance or information on what was happening with the modification which went on for almost a year and was never completed by XXXX. I called 2-3 times per month from XX/XX/XXXX XX/XX/XXXX and was always told it was being processed. 

In XXXX ( XXXX ), my mortgage was sold to Shellpoint and they completed the modification in XXXX or XX/XX/XXXX but I wasn't told that there would be a separate lien on the mortgage that would need to be paid before I could refinance. This whole fiasco came about because of the lack disclosure from XXXX on how the deferment worked when I applied in XXXX. Had I known that it would cause all this, I would have struggled through to make my payments during that time. 

I recently tried to refinance with XX/XX/XXXX, and they are telling me I have a lien with HUD on title for {$30000.00}?? 

I need answers on where this is coming from and why this is happening. I am being told that I have to pay {$30000.00} in order to do a refinance. I was never notified of this, and do not even know where {$30.00},
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Michael J. Scott, PC (VA)

XXXX and XXXX. XXXX XXXX has garnished my wages for the past three months, for a debt that has been settle and paid for. this debt was acquired by two parties, and one the parties went to court, settled the debt and paid for it in full, in installments of {$50.00} per month, this debt was paid back in 2019.
Consumer complaint received 2020-01-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (NY)

I received a bad high impact on my credit report by XXXX claiming that I owe XXXX on my last bill before leaving XXXX phone company because its horrible customer service. I paid in full the last bill than canceled my account while in the store. XXXX is claiming the cancellation wasnt done and charged me for an additional 3 months including the device cost because the store representative did not return the XXXX  equipment to the headquarters before quitting. The amount XXXX claims I owe is ridiculously high and has caused my credit score to drop, these practices are unfair for a person who pays all his bills on time.
Consumer complaint received 2023-02-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (PA)

According to 15 USC 1692C I advised LVNV Funding, LLC XXXX XXXX XXXX XXXX, SC XXXX to cease and desist all communication regarding improper reporting of multiple accounts under my name to the 3 credit bureaus and they have continued to report such debt and violate said law. I do not know who this company is and have never had any accounts with them or signed any contract with them agreeing that I owe them anything ( they have also failed to provide me with proof of the same ) The 4 improper accounts that they are reporting ( they have also failed to disclose FULL account numbers ) are shown on my credit files as follows : XXXXXXXX XXXX XXXXXXXX XXXX