davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding, LLC ( hereafter referred to as " LVNV '' ), filed a lawsuit against me in XX/XX/XXXX ( Case # : XXXX ) for a debt I DO NOT owe. I challenged their lawsuit and, on XX/XX/XXXX ( see Judgment of Dismissal, attached ), I prevailed when LVNV filed a Dismissal because they couldn't prove their case that the collection account was mine.. On XX/XX/XXXX, I filed a Cost of Suit ( Memorandum of Costs ) in the amount of {$240.00} ( see MoC and Proof of Service ) and on XX/XX/XXXX ( see Memorandum of Costs and proof of service ), I served their attorneys of record, XXXX XXXX XXXX , a copy of the Memorandum, but heard nothing back. I waited almost a year, until XX/XX/XXXX, for a response and when I did not receive one, I filed a [ Proposed ] Judgment of Dismissal ( see Judgment of Dismissal, attached ), the Judge signed  it, and I served them a copy ( via their attorneys of record ), and finally received a check for the amount of {$240.00} ( see XXXX XXXX XXXX XXXX and copy of check, attached ). LVNV 's filed Dismissal of the case proved that I was correct in asserting that the debt is and has NEVER BEEN mine, and they must remove reporting of it from all credit bureaus. On XX/XX/XXXX ( see Letter to LVNV with certified mail and return receipt ), I pulled my credit reports from all three major credit reporting agencies and was shocked to find that LVNV continues to report this collection account ( with balance! ) with the CRAs! I disputed this collection account with the credit bureaus that LVNV 's reporting is WRONG and must be removed under the FCRA. The 3 major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) responded that they " investigated '' with LVNV and it was -- shockingly -- verified as being accurate! On XX/XX/XXXX ( see Letter to LVNV ), I sent LVNV a letter to have the collection account removed but they continue to ignore me. Three years have passed, my credit score has remained BAD due to LVNV 's constant erroneous reporting of an account that IS NOT MINE but they and the credit reporting agencies ignore any attempts by me to have it removed.

I'm at the point that I need CFPB 's help. They *will* listen to you.

Today, as LVNV continues to report this collection account illegally,  I'm in the position that I have to find another rental home. Due to LVNV 's illegal reporting, it's almost impossible. I need them to remove this collection account from my credit reports A.S.A.P.!
Consumer complaint received 2021-02-24
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: EQUIFAX, INC. (CA)

Equifax has not verified the inaccuracy on my consumer report after several attempts at messages to have them correct the information. 

Initially, I sent them a letter, dated XX/XX/XXXX, verifying my identity and telling them my correct addresses and names. Soon thereafter, Equifax deleted old addresses and incorrect names from my consumer history. 

After searching through my Equifax consumer reports, I found a negative item that was not accurate, so I mailed two nearby courts to figure out which court had reported this information, and received two responses that indicated they did not send this information to Equifax. 

On XX/XX/XXXX, I sent Equifax a letter disputing the incorrect entry on my credit reports, named US BANKRUPTCY COURT-XX/XX/XXXX. 

In response, Equifax sent a letter, dated XX/XX/XXXX, indicating they could not find my data in their system, and they would need me to send additional identity verification documents with my dispute. However, Ive already sent the identifying documents with the XXXX letter, and Equifax made the subsequent changes to my file without any issues. 

On XX/XX/XXXX, I sent a response to Equifax indicating they were in violation of the FCRA guidelines, as they never response to my previous letter, and never made any correction or change to the disputed information on my consumer report. 

Equifax sent me another letter, dated XX/XX/XXXX, that they could not locate my consumer report, and still need additional verification documents. 

On XX/XX/XXXX, I sent another letter to Equifax demanding they remove the inaccurate information, since they never responded to my dispute, and it has now been over 60 days since this dispute was initiated. 

As of today XXXX XX/XX/XXXX XXXX, Equifax has not responded to my previous letter. In fact, Equifax has not responded to my dispute in almost three months. Equifax has violated numerous rules and ignore proper procedures by refusing to verify this inaccurate information. 

I have obtained multiple copies of my most recent Equifax consumer reports, and Equifax has not removed this inaccurate entry. Their illegal practices are very damaging to my credit score.
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

My mortgage payments have not been applied to my account. My husband and I have never been 30 days late on mortgage payments. We continuously receive late notices and foreclosure letters. This has been going on before XX/XX/XXXX through XX/XX/XXXX. The mortgage company is stating that we are approximately {$3800.00} behind in our mortgage. 

I have called the mortgage company to let them know that we have NEVER paid our mortgage late. We pay our mortgage via XXXX XXXX and we have all of our receipts. I tried to set up online payments through the mortgage company 's website but was told by a customer service representative that we must bring our account current. This is very frustrating because our account is not delinquent. The company did not apply our payments correctly.
Consumer complaint received 2020-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEAD MERCANTILE CO., INC. (FL)

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX using my right per FCRA, which states that if the company is unable to verfiy/validate the debt they must delete all reporting from all 3 credit bureaus. it has been more than 30 days, therefore they are violating the FCRA rights.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

My current mortgage lender is Shellpoint Mortgage. Shellpoint administers an escrow account on my behalf through which real estate taxes are paid.

I am refinancing my home mortgage through a new lender.

I contacted Shellpoint before refinancing to confirm that I could request suspension of real estate tax payments through Shellpoint 's escrow because my new lender would be assuming responsibility for these payments going forward.

Shellpoint representatives confirmed that real estate taxes could be suspended in the manner I requested.

I completed the refinance transaction and my new lender was to pay real estate taxes going forward.

After I completed the refinance paperwork, I was informed by Shellpoint that Shellpoint 's real estate tax payment through the escrow account could not be suspended.

This contradicted previous representations by Shellpoint.

The reason given by Shellpoint for not suspending real estate payments was that Shellpoint works with a third-party escrow administrator. No explanation was provided as to why Shellpoint could not work with the third-party administrator to request suspension of the tax payment.

I spoke to Shellpoint representatives several times after being informed that Shellpoint could not suspend real estate payments. I was told by phone representatives several times that real estate payments could in fact be suspended. I was also told that a " lock '' or " freeze '' had been placed on the account that would suspend the payment.

Shellpoint made the real estate tax payment despite their representations that it would not. I spent several hours on the phone clarifying these issues and the end result was contrary to my initial request.

In addition, once it was determined that both Shellpoint and my new lender had made payments on my real estate taxes, Shellpoint did not provide clear directions or sufficient documentation for me to request a refund on the duplicate tax payment.
Consumer complaint received 2020-08-27
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. (FL)

I have found accounts that I did not inquire about listed on my credit report and would like them removed. This is fraud activity and I will not condone this further. I am not sure how else to tackle this aside from getting a lawyer but I would like these false reports removed immediately!
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax, XXXX, and XXXX are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account balances, dates of last activity, high credit limits, monthly payment balances, and account numbers different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following accounts be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (CA)

I went into Chase Bank at XXXX XXXX XXXX in XXXX XXXX to open a joint checking account. I opened the account, and to instruct me on how to view the account online, the banker logged into my account w my consent. However, when she showed me the credit monitoring option, she clicked Agree without asking me first. This signed me up for Chase credit monitoring and I did not want or need it. I did not confront the banker inside the bank because I did not realize I had been signed up until I read the confirmation email when I returned home. Ive now asked Chase via secure message to de-enroll me from the service, but they continue to inform me what credit monitoring is and are not complying with my requests. I use another monitoring service and I do not want this one. This was done without my consent and I want it reversed. This is identity information I did not consent to share.
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX i made a {$2500.00} payment from my bank of America checking to my Bank of America mortgage. it was an electronic payment that went through and the {$2500.00} was deducted from my checking account ( confirmation # XXXX ). Two weeks later i receive a notice in the mail that my mortgage payment is late. The funds were never applied to my mortgage. After trying for hours and then days to reach anyone that could help me, i decided i should go ahead and make a second payment so that i was no longer showing late. I made that payment from my savings account ( confirmation # XXXX ). It is now XX/XX/XXXX and i can not even get anyone to respond to my questions. I made an appointment at a local branch. They told me they can not get through to their mortgage department either. I had a " We Can Deliver '' submitted, over a week ago and no one has responded, and i have held for hours and finally connected with customer service only to have them tell me that they can not see how to fix the problem even though they all acknowledge the money appears to be gone. After three weeks, i need help. This is {$2500.00} that I am out and they have not even offered to credit my account back.
Consumer complaint received 2023-04-08
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX Balance Owed : {$500.00}.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While my Transunion membership was active, their records show that my FICO score was over 800. Their records show that my score was XXXX on XX/XX/2019. My membership became inactive about a week ago and I have not been able to contact them because my password mysteriously doesn't work. Today, my financial institution that reports FICO scores from Transunion reports my FICO score to be XXXX. There has been no activity on any of my accounts for more than a month and my score on the other three reporting services remains higher than 800.  I believe the sudden, capricious reduction in my FICO score by Transunion is a punitive act solely based upon my discontinued membership and not for any legitimate negative account information that I am responsible for. This situation is made worse by their system locking out my computer generated user and password information. I believe that I have a tangible legal property interest in the correct and accurate reporting of my FICO score. This malfeasance by Transunion is a blatant misuse of power by an agency that can not be held accountable for their malicious acts.
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing about a late payment reported on XX/XX/2019 on the following account with BANK OF AMERICA : Account number : XXXX Opened date : XX/XX/2019, credit limit : {$500.00} The reason why the account was late was because a third-party company was supposed to make the payment. Later, I realized that the account was reported late so I contacted them. They explained that the payment was not processed as normal, and they apologized. Of course that it did not solve the issue. I am now being reported as late. 

I was not aware of this late payment. This was not a money issue or even worst, that I did not want to process my payment on time. 

Please feel free to contact me. I need to solve this issue as soon as possible. 

Thank you.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I want to put a complaint because my card is blocked and the customer service is abusive. I just got approved for unemployment insurance and I can't even enjoy the benefits of having this card and having access online, which defeat the purpose of Bank of America offering this service. 

On Monday XX/XX/2020 I receive a couple of emails and text messages indicating cash was loaded. Tried to log in but I couldn't remember my credential, tried to reset the password and retrieve my username but the system kicked me out and I left it as it was because it was to late and went to sleep. 

On Tuesday XX/XX/2020 I went to a Bank of America branch to withdrawal XXXX out of the card and didn't do anything else. 

On Wednesday XX/XX/2020 I was finally able to reset the password and go online. When tried to add my bank information the system didn't let me saying it was invalid. Second time said my card was blocked. And third time that is was closed. Right now I'm trying to connect with customer service, so far I talked to the first 2 ladies but I didn't take their names ( Supposedly the first one transferred me to the second one because I needed to be handle by fraud department ) The lady on fraud department started asking me tricky questions like everybody else and I don't have a pet, and if I put that as a security question for myself they shouldn't know or ask about it, she ended up hanging up on me. I called again and XXXX got the call this time, she transferred me again to XXXX with fraud department and this last one said he was not able to handle the call because it was a risk situation. I said don't transfer me again, I want to talk to your supervisor. He declined at first and said he could file a complaint for me to be contacted. I said no a complaint is what I'm writing right now and is different from what I'm asking you to do. XXXX pretended to be looking for a supervisor and came back to the phone just to say the same and sound like a broken record, I said no again and he went looking for a supervisor again. XXXX ( manager ) finally came to the phones and said she will warm transfer my call not to get hanged up again, but she still transfer my call without talking to someone in Risk before. I have been in the phones for over 2 hours. I want to file a complaint against XXXX, XXXX, XXXX and their managers too. 

I filed for my unemployment on XX/XX/2020 and had to wait almost 5 months just to be treated like this, like a fraudster. I can't use online services like adding my bank information or card because I'll be blocked immediately. I still don't know why Bank of America is offering this services if I'm not able to use it.
Consumer complaint received 2022-04-27
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. (IL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately :
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IL)

I closed my checking account and credit card account on the same date over the phone. The funds in my checking account were sent to me via check. There was no balance on my credit card. The reason I closed the accounts was that I no longer needed them. The timing of my closing instructions was to assure that I was not billed for an upcoming annual fee. 

It became apparent to me that my instructions to close the credit card were not followd when I received dunning notices for non payment of minimum balance. I called customer service and after a too long conversation I was told that the appropriate correction would be made. It was not as dunning notices continued. Second call to customer service resulted in transfer to " account retention '' department, Annoying conversation resulted in assurance that account situation would be corrected ( this may have been XX/XX/XXXX ). I began getting phone calls referencing collection. I returned call on XX/XX/XXXX and was transferred to customer service, The resulting conversation was bizarre. I recounted all the above and apparently the bank records reflect my credit card was closed in XXXX and not XXXX and there was a {$50.00} balance for annual fee. I believe the representative understood my position that the fee was inappropriate since I had instructed the bank to close my account but the solution offered is the bizarre part, I was told that the customer service rep was unable to correct the matter. The solution was for me to makea {$50.00} payment and it was promised that the {$50.00} would be returned to me within one or two billing cycles. 

Despite having lost all faith in the customer service organization at Citi, I did a quick cost benefit analysis and decided to make a payment by giving them the routing number and account number of my current bank and authorizing a XXXX payment, We will see what happens. 

I think the customer service issues are clear. Do it right the first time and react quickly to errors. 
I understand that there must be restrictions on making charges against previously recorded income, but is the byzantine solution necessary? Are fees being collected from customers even though unearned. 
The referral to account retention was problematic to me. Not following my instructions resulted in my account being open on Citi records for 3 months in error. The transfer to account retention shows how important numbers are- they frown on closed accounts. The retention team also offered a " deal '' for me to keep the account open for at least three months more. You have to wonder if the incentives offered are in the best interests of the customers of Citi
Consumer complaint received 2022-09-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (NC)

I took out a loan XX/XX/XXXX for {$2700.00}. I did not realize the interest rate was 160 % interest. I have made a {$230.00} every two weeks since XX/XX/XXXX ( 6 payments ) which total {$1100.00} and ONLY {$160.00} of that {$1100.00} has gone towards the principal amount of {$2700.00}. After 6 payments ( {$1100.00} total ), I still have a pay off balance of {$2500.00}! Please help me!! This is criminal according to the XXXX XXXX Laws with a 36 % max interest rate of personal contracted loans under {$5000.00}.
Consumer complaint received 2022-07-07
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: JPMORGAN CHASE & CO. (AK)

Auto loan with chase bank, is reporting false information, therefore the information should be removed all together. I spoke with chase bank and they stated that they sent a letter to correct the false information and two other agencies already corrected this months ago ( XXXX and XXXX ) But XXXX refused to fix and report truth and also refused to put a statement on my file explaining the issue