davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Academy Mortgage Corporation (AZ)

XXXX XXXX of XXXX, I closed on my 1st home. The purchase price was {$180000.00}, and at the time I received a {$9900.00} grant for the down payment of the home. En lieu, I had received an interest rater of 5.25 %. XXXX, at Academy Mortgage, told me that we could do a no cost refinance ( lie ) in XXXX to reduce the interest rate to a respectable amount. 

XXXX of XXXX, I do the refinance at a cost of approximately {$2400.00} to me ( built in the loan ). I accepted a 4.125 % rate with no PMI. I was appraised at $ XXXX, and the loan was for just over $ XXXX. 

In XXXX of this year, XXXX called me to ask me to refinance the loan again because they were having a hard time trying to sell the loan to their investors. She said that she would do the refinance at 3.99 % and no closing costs. I turned her down, because I did not want to jump through hoops for a few dollars. ( My intent is to sell the house in a year and a half anyways, so I can upgrade ). XXXX approached me again and offered 3.875 % and I declined. Five minutes after I sent the email declining, XXXX called me and begged me to refinance the loan for 3.75 %. I reluctantly agreed. She assured me that my payment would go from {$970.00} to {$930.00}. I signed all of the documents and received copies of them all. XXXX told me that it would not be necessary to make a XXXX XXXX payment while I am going through the refinance, so I took that money and paid on my student loans ( I have confirmations of this ). XXXX also told me that my first payment would not be due until XXXX XXXX ( again, I took my XXXX XXXX payment and paid student loans instead ). 

Last week, XXXX tells me that their " investors '' accepted my original refinance terms from XXXX and there was no need to do the current refinance. Safe to say, I am extremely upset about this whole situation, and this is where I am asking your help. They want me to immediately make my XXXX XXXX payment ( which I do not have ). They also want me to make my XXXX payment right away, for which I have financial records stating that I paid off student loan debt. I also have emails showing most of the correspondence with XXXX, stating it was unnecessary to make the XXXX or XXXX payment because my first payment would not be due until XXXX XXXX. 

Academy Mortgage called me and notified me that they would be willing to give me {$980.00} and that is all they will offer me. They forwarded the issue to their corporate attorney, XXXX XXXX. 

I signed all the paper work agreeing to a 3.75 % interest rate with no PMI. I have been repeatedly lied to by Academy.
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 a account without my written instructions. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, XXXX and Experian have yet to correct the following issues. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.
Consumer complaint received 2024-09-27
Product: Credit 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: CITIBANK, N.A. (IL)

Opened account in XXXX. Have been unable to see what balance is nor received statement. 
I have contacted bestbuy citi 5 times and still no resolution. 
XXXX 1st contact informed them I was locked out, was told had to do something with my phone number. Phone number updated was told it should be fixed. 
XX/XX/XXXX called back informed them it wasnt fixed. Was told to give it 24 hrs. 
XX/XX/XXXX called back informed them still not receiving password or link via email. Was told the phone number wasnt updated but now it was give it 24hrs to update. 
XX/XX/XXXX still unable to access account called back. Representative stated their system was down and would have to call back. Informed him I would not be able to call back requested to delete account so I can reregistser once again. Representative stated would have to call bk to do so. Asked rep to submit me on autopay to not miss payment. Im guessing he did so because I never received confirmation of autopay. 
XX/XX/XXXX call for 15 min asked me to verify info to tell me system was down and I would have to call back. 
Issue is the same. Not receiving statement nor unable to access account online
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

I checked my reports and found inaccurate information for a account that was charged-off that is in violation of my rights and is BREAKING THE LAW. I've attached everything for this dispute along with the inaccurate information underlined and circled.
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

I found a number for XXXX customer service support XXXX XXXX XXXX XXXX to inquire about an error message I was getting concerning not being able to make a shipping label. When I was connected with the person who identified himself as XXXX, he told me it was because my payment applications had not been verified and would be necessary to address the issue. he asked me to download XXXX so he could rectify the situation. He had me open Venmo to send a friend {$2400.00} which did not work so we did XXXX which they said was normal and this specific number would help set a right limit for my XXXX page to allow for the highest amount on my Venmo to be accepted. Later I found that both transactions were taken out of my account, totaling XXXX. To verify my PayPal, I was asked to send XXXX to my mother which was again declined so I was asked to do XXXX. I called my mother to have it sent back and to tell her what happened. Another support person named XXXX XXXX called her to to walk her through a similar process, having her download XXXX to help me. She followed their process thinking that it was necessary. She could not send the money back via PayPal so she was asked to send it via XXXX. I told them I was not comfortable with anymore transactions but they said that would be the only way to get my money back. They needed to consolidate the money in one place. To verify XXXX, they asked me to send my mother {$4000.00} which she was able to send back to me. This money was then sent to my aunt for additional verification that I would snow use XXXX. My aunt was able to send the money back ( - {$70.00} for transfer fee ) from XXXX. However the transaction shows money send to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then there was also a transaction sent to XXXX XXXX XXXX My friend who was sent the money via Venmo was able to send me back two payments of {$200.00}. The other transactions were made to a XXXXXXXX XXXX XXXX XXXX which is not mine. The money consolidated from all three apps were then sent to XXXX XXXX XXXX XXXX. I tried calling Venmo, XXXX, XXXX and PayPal but I was told they can not change transactions and I could not get my money back since those are instant transactions. The next day I found several transactions from my bank which were not made my me. I was able to stop the extra transactions made. I filed a complaint with the bank. They provided {$4000.00} back for one of my three claims. I also had two charges from XXXX XXXX of {$2500.00} and {$200.00}, which was not used in this process.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

Venmo is holdong my money hostage and stealing from me. 
They refuse to transfer my funds to me, they refuse to give me a valid card and when i spoke to them they were rude, refused to let me speak to a manager and hung up on me several times. I NEED MY MONEY!
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (IL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Info Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX  XXXX XXXX/XXXX/2023
Consumer complaint received 2023-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (DE)

XX/XX/2023 I paid my mortgage and changed my information to my new bank account information. XXXX I went in paid my mortgage, tho my information had changed. A few days later wondered why it was taking so long to clear, realized it was coming from the old account, immediately called amerisave and spoke with a supervisor ( XXXX  is her ID ) she tried to change it but it would not take. She said she will put in a ticket to see why. I paid my mortgage 1 day late online with her and she put my payment through. ( I incurred a {$20.00} late fee ) She said I should hear something. ( I am computer savvy ) I waited and got an email from XXXX ( where they want you to send all the complaints ) I sent an email saying they sent my payment to the wrong account and I needed to be refined for the NSF fee of {$64.00} ( XXXX  ), sent bank statements verifying, it went through twice. and for the {$20.00} late fee. I could not get in their ( safe- XXXX  secure messages ) system when responding to customers, I tried on several occasions but it will not send me the verification email for password change. so I called again. 

XX/XX/XXXX XXXX XXXX   email requesting fees sent detailed information needed. they said it was my fault when supervisor stated it was an issues and confirmed it was not. my fault Send another email XX/XX/XXXX at XXXX and they still said it was my fault. not reading the letter I sent and was guided by their supervisor how to write it.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment : XXXX XXXX XXXX XX/XX/2022 {$2.00} XXXX XXXX XXXX XX/XX/2022 {$0.00} XXXX XXXX XXXX XX/XX/2022 {$0.00} XXXX XXXX XXXX {$75.00} Personal Info : Employers : XXXX EMP Employers : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Consumer complaint received 2016-09-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC (WI)

MiraMed Revenue Group has called me over and over again for the last 60 days - but I paid the bill directly to XXXX ( the original company who invoiced me ) on XXXX/XXXX/2016 and have confirmed that directly with them. 

MiraMed called on XXXX/XXXX/2016. I returned the call on XXXX/XXXX/2016 at XXXX and informed them that the bill had been paid and that they were pursuing the debt collection erroneously. I provided receipt information and asked that they never call me again. 

MiraMed call me again, despite being told not to ever call again, on XXXX/XXXX/2016 at XXXX. Again, I informed them that the bill had been paid and to never call me again. Mid-sentence, the operator hung up on me. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I did not answer the call. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I did not answer the call. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I answered the call and told them for the 3rd time that the bill had been paid and to stop calling me. I told them that I would report them to the FTC and said to never call me again. The operator continued to push me to make a payment and I refused. The operator then hung up on me. 

MiraMed has harassed me over a debt that should never have been in collection in the first place. They 've called me a total of 6 times - or 5 times after being notified to never contact me again. I 've communicated with them multiple times to stop calling. I contacted the original vendor and asked them to make sure I was removed from collection, as well, and they 've indicated that I should have been removed. MiraMed continues to call on a debt I do not owe.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This formal complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Innovis credit reporting agency, block the information appearing on my consumer credit report that is a direct result of identity theft and fraud. Per federal law, you are required to block such information within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of the following : Personal Credit Card Account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ). 
Auto Loan Account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). 
Personal Loan Account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). 
Collections Account opened at XXXX XXXX on XX/XX/XXXX, with a balance of $ ( private ), that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. 
These fraudulent accounts have triggered multiple fraudulent hard inquiries and fraudulent collections on my consumer XXXX credit report, maintained by you, Innovis. I have attached a detailed list of the hard inquiries in question, as well as a copy of my consumer XXXX credit report showing the aforementioned fraudulent items. 

Statement of Identity Theft : I do not recognize the above accounts, collections, or hard inquiries as being initiated, opened, or made by me. These items were not authorized by me in any capacity and are the result of identity theft and fraud. 

Attached for your review is a copy of the FTC Identity Theft Criminal Complaint # ( private case number ), which serves as proof from the U.S. Federal Trade Commission that all of the accounts, collections, and hard inquiries listed above are, indeed, the result of identity theft and fraud. 

Immediate Action Required : Per FCRA 605B, Innovis must : Block all of the fraudulent items identified in this complaint from appearing on my credit report within 4 business days. 
Confirm in writing that the fraudulent items have been removed. 
Failure to comply with these federal requirements will leave you open to further legal action under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

Please confirm the resolution of this complaint by sending a written response within the legally required timeframe. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX
Consumer complaint received 2023-05-21
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. (LA)

See attached 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports and no consent is fraud.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NC)

LVNV FUNDING LLC XX/XX/scrub>XXXX XXXX  {$1400.00} I have never opened an account with this company. I have disputed numerous of time and they wont remove it. I wont being paying this due to not being the owner of this account and it being a fraudulently open by this credit company.
Consumer complaint received 2018-11-22
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: EQUIFAX, INC. (MI)

I have disputed fraudulent items with equifax on multiple occasions. from XXXX until now. I have contacted the companies and they have verified that they have removed these items from their computers but equifax has refused to clear the items of the credit files maintained by their company. The items have been removed from the other XXXX bureaus. Equifax has refused to a knowledge the dispute, they have not removed the items nor have they even marked them as disputed. I have talked with them and verified with the agents that they received my fraud packet with the police report included and they have refused to remove any of the items or reach out to the reporting companies even though the companies no longer have the files active in their systems and have closed them as fraud. I have had contact with equifax. and faxed and mailed the information on these dates XX/XX/2018XXXX XXXX XX/XX/2018, and XX/XX/2018, XX/XX/2018 They have refused to acknowledge any of these contacts and disputes and have verified that it has been received every time
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

Full Name : XXXX XXXX XXXX XXXX : Company Name : LVNV Funding LLC Address : XXXX XXXXXXXX XXXX XXXX, SC XXXX Phone Number : ( XXXX ) XXXX Subject : Complaint Against LVNV Funding LLC for Violating Consumer Protection Laws Date of Incident : XXXX  Type of Debt : Credit Card Amount in Dispute : {$3500.00} Complaint Narrative : I am filing this complaint against LVNV Funding LLC for engaging in practices that violate the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ) in relation to the debt they are attempting to collect from me. 

FDCPA Violations : Harassment and Abusive Practices : LVNV Funding LLC has continuously contacted me using aggressive and harassing tactics. The representatives have called me multiple times per day, and on some occasions, have used abusive language and threats of legal action. These actions violate Section 806 of the FDCPA, which prohibits harassment and abuse by debt collectors.

Failure to Validate Debt : Under Section 809 ( b ) of the FDCPA, I requested written validation of the debt from LVNV Funding LLC, but they have failed to provide the necessary documentation within the required time frame. Despite this, they have continued their collection efforts, which is a direct violation of my rights under the law. 

Misrepresentation and Deceptive Practices : LVNV Funding LLC has misrepresented the amount of the debt and threatened legal action that they are not legally entitled to pursue, violating Section 807 of the FDCPA. This has caused undue stress and confusion, as I believe the debt amount is incorrect. 

Contacting Me After Being Informed of Attorney Representation : I informed LVNV Funding LLC that I am represented by an attorney regarding this matter, yet they continued to contact me directly. This violates Section 805 of the FDCPA, which forbids direct communication with a consumer when they are represented by legal counsel. 

FCRA Violations : Reporting Inaccurate Information : LVNV Funding LLC has reported incorrect and inaccurate information to credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ). Specifically, the amount owed, the date of default, and other critical information have been reported inaccurately, which has negatively affected my credit score. 

Failure to Investigate Dispute : I disputed the information provided to credit bureaus regarding this debt, but LVNV Funding LLC failed to properly investigate or correct the inaccuracies in a timely manner, as required under Section 611 of the FCRA.