davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX CAPITAL ONE  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Per law, 15 USC 1692c ( c ), if a consumer notifies a debt collector that the consumers refuses to pay a debt the debt collector must cease all communications, this includes debt being reported to credit agencies. 

I have sent this company a cease and desist and the company has refused adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of CA. Credit bureaus have all been notified as well and has refused to cease collection reporting for said accounts advised. 

Please have the company crease all collection activities as this is my final attempt to complain outside of court.
Consumer complaint received 2023-05-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I XXXX XXXX XXXX XXXX last 4digits of my social XXXX, reviewed my Consumer Reports and noticed that I had three late payments on my XXXX XXXX account # XXXX, in XX/XX/2022, XX/XX/2022 and XX/XX/2022, that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as should be as I was Never Late. Thanks, XXXX XXXX XXXX
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NC)

Agency continues to report this closed account.The account was paid and closed several years ago. This action is causing a tremendous damage to my personal credit with continuously reporting an account that was paid as agreed and closed years ago. It would assist me tremendously if you could make an adjustment and remove this negative payments and reporting entry from my three credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future.
Consumer complaint received 2023-05-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

equifax is reporting an account that is unverifiable, it has no name, address, or phone number for me to contact. I have sent them THREE letters regarding this reporting on my credit report they removed two of the accounts but they respond back saying this one is " verified '', The law states : FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) I have included all three letters as well as the copy of the credit report. 
They are in violation of multiple FCRA statutes and this account needs to be removed immediately.
Consumer complaint received 2023-05-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma (FL)

XXXX offered a credit line of {$1000.00} with monthly payments by debit/ach into a separate savings account that is available for withdrawal at {$500.00} increments. in exchange for the consideration of the monthly payments, XXXX will report a tradeline to the credit bureaus of {$1000.00}. the contract states that the tradeline will be removed only if i default on the payments or prematurely close my account. i always kept my account in good standing and met my obligations under the contract. 

XXXX sold to CreditKarma and terminated my account after the sale, rather than maintain and service the existing accounts when one financial institution buys another. because the value of the company sold/purchased is determined by its accounts. In doing this, CreditKarma defrauded me by accepting monthly payments ( civil theft ) without giving me any consideration for my payments by giving me the product i was enticed into paying for : credit reporting of {$1000.00} trade line. Creditkarma removed the tradeline from XXXX, causing my score to drop XXXX points, instead of keeping it open or report is as closed and good standing. removing the tradeline entirely makes the entire transaction and contract fraud and unfair and deceptive trade practices. the credit line, loan payments made, all for nothing and resulting in the opposite of what they advertised : negative credit score, rather than a positive improvement. the XXXX  tradeline created an increased credit score after payments were reported. when CreditKarma suddenly removed the tradeline, it resulted in the loss of any credit reporting benefit retroactively, resulting in Credit Karma being enriched by monies i paid them under false pretenses. Credit KarmaXXXX violated federal credit reporting law, TILA, TISA and other federal laws and regulations concerning credit, banking and lending.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have written letters to have inquiries and companies that I 've never done any business with removed at least 3 letters this year to each credit bureau and I have asked for proof I never received any proof. I also contacted the companies they never responded, yet they never remove any of these items from my credit. I have sent letters to credit bureaus and companies to no avail. I have not applied for credit in over 15 years so I know these are not my items yet they wo n't remove them.
Consumer complaint received 2023-05-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Experian has been reporting that I have made zero payments to the State of Michigan for child support dating back to XX/XX/XXXX to the present time on my credit report and this is grossly incorrect. I asked them to correct this in a dispute months ago and they never made any adjustment to this account. I know they didn't even investigate it because if they had, they would see the weekly and consistent payments that I have been making for years. I tried to submit another dispute to have them actually look at this account but they won't process it because they say it's a duplicate request under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act. That's ironic that they quote about something that's fair while unfairly and unjustly reporting false information on my credit report. Since they want to use the FCRA, I will to : According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request an investigation into any information I believe may be inaccurate. I would like to refer to 15 U.S.C. Sec. 1681i ( a ), which states that if you ( they ) can not provide proof of the accuracy of the disputed information, it must be removed from my credit report. I kindly request that you investigate the following accounts and remove them if any information is found to be incorrect or incomplete : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX My bank account will only let me pull the transactions from the last six months online but you will see weekly payments to XXXX which is the State of Michigan 's receiver of funds for child support. Now compare that to Experian 's reporting of zero payments... They have cost me a refinance on my house, decline for credit and high interest on the cards that I do have.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

I have sent online disputes to all these companies and they continue to report inaccurate information. 

XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX LVNV FUNDING LLC Account XXXX XXXX & XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX & XXXX Account XXXX
Consumer complaint received 2017-08-08
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 (GA)

XXXX XXXX XXXX XXXX XXXX account Opened in XX/XX/2011 credit card is reporting to XXXX the current payment status is " In Collection/Charge-off ''. This is inaccurate. The account has been paid & settled after charge off.
Consumer complaint received 2023-05-21
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

I have observed that you have listed an alleged debt on my consumer report without any prior communication. I demand that you provide the 1099c for this account. It is unjust to report this account and have it displayed on my consumer report. I have enclosed my complaint letter for your review, and I expect a careful examination of its contents. If this matter is not addressed appropriately, I will pursue legal action against your organization.
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

I have had repeated issues with Comenity Bank over my Ann Taylor credit card. I pay my bills through the mail, and have been regularly charged late fees and interest due to the time Comenity takes to process a check. In XXXX I mailed a check to Comenity on XX/XX/XXXX ; it cleared my bank on XX/XX/XXXX and as a result I was charged a {$30.00} late fee as the bill was due XX/XX/XXXX. All other checks I mailed on the same date cleared our bank on XX/XX/XXXX. After complaining to Comenity they waived the fee. The problem is this keeps happening. The same thing happened in XXXX ; the check was mailed XX/XX/XXXX and by XX/XX/XXXX still had not cleared. To avoid another late fee I paid the minimum due on XX/XX/XXXX. As of today, XX/XX/XXXX the check, which paid the bill in full, has still not cleared. Again, every other check I mailed on the same date, cleared our bank in under 10 days. In the meantime, Comenity is charging me interest on my account. 

My husband has two other credit cards held by Comenity with which he has had the same issues. Again, no other billed we paid by check did not clear in time.

I have found Comenity to be extremely difficult to deal with every time I called. I finally got the late fee waived after demanding to speak to a manager.

I would greatly appreciate your agency looking into this issue. People can not be punished for paying bills by mail!
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

" Re-aging '' a debt involves illegally resetting the date of first delinquency to make it appear as a new debt, thus extending its time on a credit report. This is prohibited under the FCRA, which mandates that negative information can only be reported for a certain period ( typically seven years from the date of first delinquency ). Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights. Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than seven years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately. Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX is prohibited from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (VA)

On Friday XX/XX/year> I've sent a certified letter the the company asking to validate this debt. I've never received a correspondence in regards to this debt. 

I'm unaware of this debt. If you feel this is my debt. I've never was given the proper notification regarding this debt and or the opportunity to dispute this debt. If you fell like this debt belongs to me please send me a certified copy of the proper notification, proper receipt with my name on it and signature.
Consumer complaint received 2023-05-21
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 didnt authorize a hard pull on my credit from XXXX  XXXX XXXX XXXX  or XXXX  XXXX, i would like those hard inquiries removed please.
Consumer complaint received 2024-09-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC (NY)

Amerihome Mortgage has refused to generate a letter for me to provide to my new loan company stating I have never missed a loan payment or been delinquent in the past 24 months.

I am writing to provide an explanation regarding my mortgage loan. Amerihome granted a forbearance period from XX/XX/XXXX- XX/XX/XXXX due to the financial hardships ( losing my job ) brought on by the XXXX pandemic. 

Unfortunately, an error occurred during the lien amount calculation by Amerihome, resulting in my account being left in arrears by one full payment. Amerihome representatives assured me that this would not be an issue as long as I made the payments within the granted period. I have diligently adhered to this arrangement, ensuring that every payment was made on time. In fact, many of my payments exceeded the minimum payment requirements and have even made additional payments toward the principal. 

My new loan company is requesting a letter stating I have never been delinquent or missed a payment ( which is the case ), however, AmeriHome has told me over and over again they can not do that without a written request to their team. I have submitted that request and they are still denying me my letter. 

I have a newborn child and we have to be out of our apartment in XXXX weeks. We are supposed to close on a new loan and new house in XXXX weeks, but we can not without this letter. 

Can someone please help me obtain a letter from them so that we do not lose our house? 

Thank you in advance! 

XXXX XXXX
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (MI)

I received a surprise bill from a hospital from last year. I have health insurance thru the state of Michigan and behavioral health benefits thru the state. I was in the hospital and then received a huge bill out of no -where. They did not inform me while i was there that the provider was out of network or not covered. This constitutes " surprise billing ' and is illegal in Michigan. They have to notify you if its not covered. Now they are sending it to a collection company called HRRG.I have submitted the bill and a complaint to the Michigan department of health and human services.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Sequium Asset Solutions, LLC (DC)

I am writing to formally dispute the delayed processing and removal of inaccurate negative items from my credit report related to my rental history. Although providing all necessary documentation and making previous efforts to correct this matter, these items have yet to be resolved, which has led to significant consequences, unfortunately. 

The delay in addressing this dispute has caused me considerable distress, negatively impacting my credit score. Consequently, I have missed important opportunities, e.g., rental agreements, financial services, employment, etc. ]. The stress caused by this situation would have been unnecessary and completely avoidable had the appropriate actions been taken promptly. 

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

Sincerely,
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/XXXX I looked at my credit report, and I noticed some inaccuracies. I sent a letter to XXXXXXXX XXXX XXXXXX/XX/XXXX asking them to investigate these accounts XXXX XXXX XXXX and information I sent i certified mail, XX/XX/XXXX they sent me their investigation and said those accounts are verified and accurate. And according to 15 USC 1681i ( 5 ) | see it states after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or Incomplete or can not de verified. The credit bureaus did not re-investigate and violated my right.
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NJ)

I recently received a collection letter from Calvary Portfolio Services regarding an alleged debt with XXXX XXXX. I want to clarify that I am a victim of identity theft, and I do not recognize or acknowledge having any account with XXXX XXXX. This debt is not mine, and the account in question was opened without my knowledge or authorization. 

The collection efforts regarding this fraudulent debt violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the following sections are being infringed upon : Section 805 ( c ) : Prohibits continued communication about a disputed debt unless for the purpose of verifying the debt or notifying the consumer that collection efforts will cease.

Section 807 ( 2 ) ( A ) : Prevents the false representation of the character, amount, or legal status of the debt, which is applicable as this debt is not mine.

Section 809 ( b ) : Requires the debt collector to provide proper validation of the debt upon request. Despite my dispute, no adequate validation has been provided.

I request an immediate investigation into this matter, the cessation of all collection activities related to this fraudulent debt, and the removal of this account from my credit report. Continued attempts to collect on this debt will result in legal action to protect my rights as a consumer.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : CITICARDS CBNA XXXX and CITICARDS CBNA XXXX