davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MN)

I started receiving emails from a representative from Resurgent, informing me that I owe {$1100.00} to LVNV Funding LLC and to contact them to pay the amount owed. I checked my credit reports to see what exactly this is for, and I see its 's a charge off for an account I never opened, and they have reported this collection on all bureaus and didn't provide their contact information on the collection account. I googled their information and started sending them letters requesting validation of debt bearing my signature and evidence that I owe them. 

I have sent the collection company LVNV Funding LLC XXXX letters requesting them to provide me with proof to validate the debt bearing my signature on : XX/XX/2021, XX/XX/2021 and XX/XX/2021. They have not responded to any of my request, but had their account XXXX : Resurgent Capital Services responded to my first and second request on XX/XX/2021 and XX/XX/2021 by sending me a bill and an Account summary report that they generated as proof. I responded to both LVNV and Resurgent on XX/XX/2021 letting them know that per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute validation, and to provide me with proof to validate the debt bearing my signature. 

They have not responded to my last request dated XX/XX/2021, they received the letter certified mail and signed for the letters on : XX/XX/2021 at XXXX. By not replying in a timely manner to my initial letter, they have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

My request is since LVNV Funding has now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item from all credit bureaus!
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After recently reviewing my credit report, I took notice that the Capital One Credit Card account is currently in a Charge off status. I sincerely would like to take care of this account as soon as possible. 
Due to XXXX & the loss of my job, unfortunately got behind on my payments and was unable to meet my obligations. 
However, since then my situation has greatly improved and I was able to pay the full amount of {$510.00} that I owed the company XX/XX/XXXX. 
After successfully paying off my credit card, I had attained knowledge from XXXX that my card had been charged off & it will sustain these charges until XXXX. I am not agreeing to a credit report that express such charges. There are various reasons as to why I do not agree & those reasonings vary. First, under the FRCA it ensures the accuracy, fairness & privacy of the information in credit bureau files. The accuracy on my Credit Report is invalid in many aspects. A charge off should appear when your credit card is 180 days past due, mine was not. On XX/XX/XXXX I made a payment of {$50.00}, which had been posted. The scheduled payment was set for {$25.00} which I had paid double that in attempts to pay off my debt little by little. From the XXXX of XXXX XXXX XX/XX/XXXX ( the date my account was charged off ) is not the 180 days needed to acquire an charge off and is inaccurate. Second, there are entries that state that I had not made a payment to capital one. For example on XX/XX/XXXX I made a payment of {$200.00} & it was flagged on my credit report that I had not made a payment for 30 days. Which is untrue. Amid that there are very contradicting entries as well, such as incomplete data on my payment history for dates I made a payment on. Lastly, Ive contacted both XXXX and Capital one to correct the information that is inaccurate and incomplete, which they must do legally, as well as remove the charge off from my account. Both companies did nothing about the issue & gave me the run around completely. Ive filed 3 disputes with XXXX so far & the charge off and inaccurate information has not been updated nor removed. I also have evidence of my balance amount on a chart that lowers around the dates that It claims I hadnt paid. How could my balance amount lower if there were no payments made? Receiving a charge that I did not rightfully earn is absurd. I wish for the charges to be removed & the inaccurate information to be updated. I believe this creditor has violated the FCBA as well as my own rights. I will not accept this charge as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again gain the credit score & cleanliness on my report that I once had.
Consumer complaint received 2021-05-14
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: Experian Information Solutions Inc. (NY)

There are 2 negative items on my credit reported that I wrote dispute letters to all three major bureaus dispute letters to and none of them have responded back to me and it has passed the 30 day mark. By law they have to remove these items off of my report now.
Consumer complaint received 2021-05-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE (KY)

In XX/XX/XXXX, my husband and I closed on a house. Our mortgage company was Stockton Mortgage. As part of closing, they collected almost {$1600.00} for property taxes. We found out in early XX/XX/XXXX that the taxes had not been paid. We reached out to Stockton and spoke to multiple people. One customer service representative even informed us that it was not Stockton 's issue/problem. We finally spoke to an upper management person and sent her the statement from the sheriff 's dept. Then on XX/XX/XXXX we received a letter from the county attorney that the taxes had not been paid and were now delinquent. That Friday I reached out to Stockton and emailed the bills to them. I called back the following the Monday and was told they would review them and pay within 10 business days. The letter from the country attorney requested all taxes be paid by XX/XX/XXXX. I was transferred to a supervisor and then spoke to other higher management persons. A resolution specialist was assigned to our case. Since then I have not heard from the specialist. I have reached out multiple times through email and have never gotten a phone call or a return email, neither has my husband. It seems that Stockton is not taking this issue seriously.
Consumer complaint received 2021-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To begin with, I did not authorize or give consent to TransUnion or any other agency to furnish information related to me. 

I XXXX XXXX, have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

Following these harassing phone calls, I performed a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 

Please be advised that the companies performing the harassing phone calls are listed below. 
1 ) XXXX XXXX XXXX / {$560.00} 2 ) XXXX XXXX XXXX / {$14000.00} 3 ) XXXX XXXX XXXX / {$14000.00} 4 ) XXXX XXXX / {$2900.00} 5 ) XXXX XXXX {$5100.00} 6 ) XXXX XXXX, XXXX / {$9100.00} 7 ) XXXX XXXX XXXX / {$300.00} 8 ) XXXX XXXX, XXXX / {$280.00} 9 ) XXXX XXXX XXXX / {$10000.00} 10 ) XXXX XXXX / {$1100.00} To repeat, these transactions occurred without my permission. 

I would like to request removal of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MD)

I refinanced my mortgage with Freedom mortgage. The closing was done on XX/XX/2021. The paperwork stated e loan will be disbursed on XX/XX/2021. I checked on XX/XX/2021 with my existing mortgage servicer and I was informed the loan had not been paid off. 
I called freedom mortgage and I was told the loan would be disbursed on XX/XX/2021. I kept asking for an explanation of why I was not informed of this delay and none gives me an explanation. 
I checked today XX/XX/2021 and my existing mortgage servicer tells me the loan has not been paid off. Freedom mortgage tells me they have paid off the loan. I asked freedom mortgage for proof and they say that they can't provide me that information. 
I am worried since today is the XX/XX/2021 and I am past due on this mortgage for no fault of mine because freedom mortgage did not take care of funding the loan in time after closing.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

My car was a total lost on XXXX XX/XX/XXXX. My insurance company ( XXXX ) paid for the total lost and my GAP insurance was going to cover the remainder. The GAP company needed some information from the dealer and TD Auto Finance in order to process the claim but the two companies were very non-compliant providing that information. I called TD Auto Finance several times every month and I specifically asked them if I needed to continue making monthly payments. They told me that I didn't need to make monthly payments because the vehicle was a total lost and the remaining amount was going to be covered by the GAP insurance and also that interest would not be accumulating anymore. I didn't get a written confirmation of this conversation but they never called me, mailed or emailed me any late statements or any notices telling me that I was late or that I needed to make payments. 
After over 7 months of constantly contacting TD Auto Finance and requesting that they provided the info to the GAP company they finally did it and in XXXX of XXXX the GAP company issued them a check for the remainder amount. 
I was very surprised when I got a noticed from XXXX telling me that my credit score had dropped dramatically. When I checked XXXX I noticed that TD Auto Finance had reported that my loan was " Paid was a Charge-Off ''. Also, in the section regarding my payment history XXXX was reporting that from the months of XX/XX/XXXX to XX/XX/XXXX there was no data available or reported to them. I submitted a dispute and the information remained the same plus in this case, TD Auto Finance reported that I was also late in payments from XX/XX/XXXX to XX/XX/XXXX. I challenged that information with XXXX and TD Auto Finance and submitted an additional dispute. They told me that they were going to look into it but is not going anywhere because the second dispute was completed and contained the same derogatory information.
Consumer complaint received 2020-09-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

ON XX/XX/2020 I SENT {$100.00} USD TO A FRIEND IN XXXX PAY {$4.00} USD FOR THAT MONEY TO BE DELIVERED TO HIS ADDRESS, THAT MONEY NEVER ARRIVED AND I HAVE CALLED SEVERAL TIMES TO GET THE MONEY BACK AND THEY HAVE NOT DONE IT, THEY ALWAYS HAVE AN EXCUSE, CURRENTLY I ONLY WANT MY MONEY BACK INTO MY BANK ACCOUNT.
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (NY)

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX. 

XXXX requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2021-05-21
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. (CA)

XX/XX/2021 I filed disputes with the all 3 bureaus and now it almost two months later and NOTHING!!!!! ... The disputes were for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. WHy is this taking so long to fix their mistake in reporting. I know they are supposed to send me response within 30 days and it been way over 30 days. I want this fix
Consumer complaint received 2023-06-20
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX - XX/XX/XXXX Transferred, closed. {$22000.00} - # XXXXXXXX XXXX XXXX - XX/XX/XXXX - Collection Account {$4400.00} - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Collection Account - {$950.00} - # XXXX XXXX XXXX XXXX XX/XX/XXXX - Account Charge Off - XXXX - {$270.00} - 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 an Account without my written instructions.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (GA)

EXPERIAN is reporting transactions and experiences on my consumer report which include late payments, Past due amount, Original balance, Monthly payment, Terms, balance, credit limit and monthly payment from the following company : XXXX XXXX  Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) transactions or experiences are not to be reported on a consumer report and pursuant to 15 U.S. Code 1666b a payment on a credit card account under an open end consumer credit plan is not to be treated as late for any purpose. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. This company and their inaccurate reporting have damaged my livelihood.
Consumer complaint received 2022-10-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On or about XX/XX/2022, Citi Bank froze all my accounts. This was first reported under Case # XXXX. In response to my CFPB complaint, Citi sent a letter ( Reference # XXXX ) dated XX/XX/2022 acknowledging that these funds were frozen and that the case was under review. As of today 's date ( XX/XX/2022 ) these funds are still frozen, creating great hardship for me. 

I have subsequently learned that specific funds are exempt from any and all bank actions to freeze funds. Specifically, exempted funds are Social Security deposits, Federal and State tax refunds, and all funds from private retirement accounts. 

Even a casual glance at my several accounts -- checking and saving -- shows that all of the funds come from monthly Social Security payments for me and my minor children, and from my private retirement account. Consequently, Citi has been and continues to be in violation of existing laws protecting such funds. 

All attempts to resolve this matter have been rejected with arrogance and disdain from Citi Bank, even though I was a customer for more than 25 years.
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 an 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 or 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 2023-05-26
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

I am filing this complaint about the credit card charge dispute. I used my Chase Freedom Card ending XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The transaction involved the purchase of three {$500.00} gift cards. However, the store was able to activate only two of three gift cards but I was still charged for all three. I brought this to the attention of the store manager, store bookkeeper. They helped me reach out to the store headquarters and file case # XXXX to document this incorrect charge. I was also advised to dispute the charge with the credit card company to get a refund. 

I disputed the charge on my said credit card on XX/XX/XXXX, but my claim was declined by Chase indicating that the charge was valid. The document shared by XXXX XXXX to Chase was given to me which clearly showed that the Gift card activation had FAILED. I brought this to the notice of Chase Customer Agent and they helped me file a redispute in XXXX. There has not been any further action taken since. 

I reached out today ( XX/XX/XXXX ) for the status of the dispute, it has not been resolved or handled yet. I have all the documents ( store receipts ) and the letter shared by XXXX to Chase that shows the transaction had indeed FAILED. 

I am hoping filing this complaint will help me recover my hard-earned money.
Consumer complaint received 2022-09-28
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. (AZ)

XX/XX/2022 I opted out of XXXX XXXX XXXX XXXX, I completed all documents that they are not to report on me and to remove me from there system and affliates as well such as third parties etc they use. 
They continue to share my informationa and report about me which is XXXX percent of the time inaccurate. 
I requested information from XXXX, Equifax and XXXX regarding what was reported by XXXX XXXX and copies of the documents they are basing the information that they are reporting on the bureau about my credit worthiness and still nothing. 
I have went back and forth with them about inquiries that were not authorized by me, that companies which include XXXX reporting hard inquiries or allowing XXXX XXXX to place multiple inquiries on my report which hit me hard and they refused. They keep sending me the same generic response that its been checked and remains. 

Recently, they reported I was over my limit on a Credit Card ( XXXX XXXXXXXX ) which I was not, by {$11.00} and said that was the reason my score dropped XXXX pts that it obsered. My history is good, my payment history on time, no lates nothing my usage is 17 % they don't comply to request they do whatever they wont. I was in the middle of a refinance and my score was XXXX and when they supposedly rec 'd notice that my credit card was over the limit by {$11.00} XXXX dropped score to XXXX and Equifax dropped it from XXXX to XXXX and XXXX dropped it to XXXX all for the same thing over the limit which I have uploaded and spoken to the credit card company who say they have notified them its not.
Consumer complaint received 2022-09-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (TN)

I mistakenly paid my car payment to Best Buy. No one at Best Buy has helped and they actually told me that they couldn't help me. I no longer have an account with them so the payment is just sitting there. My bank reached out to Best Buy but they haven't responded.