davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: South West Recovery Inc (CA) (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, la XXXX XX/XX/XXXX SOUTHWEST RECOVERY XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX XXXX XXXX XXXX You are reporting and publishing inaccurate and incomplete information collections in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunities. The following account information you are publishing about me is inaccurate and incomplete. Please exercise your due diligence and verify the information is 100 % complete, accurate, true, timely and also complies with all XXXX FCRA guidelines on reporting data to a credit report. 
XXXX XXXX XXXX : XXXX The Date of Last activity is inconsistently reported across the XXXX agencies. 
The account is listed as open, yet it is not an open account. 
The payment history is reporting inconsistent status of 30, 60, 90 & 120 day late on dierent months.

Whenyou are not able to verify the accuracy and completeness of the information, I request that you delete the above-listed tradeline / collection account and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. 
If you conclude that the tradeline item is verified, I request details of your method of verification. For identification purposes, my social security # is XXXX and date of birth is XX/XX/XXXX I enclose a copy of my as proof of identity and mailing address. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the relevant information, investigated the data, and reinvestigated it due to my current dispute. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 
Your prompt attention to this important matter is requested in compliance with federal law
Consumer complaint received 2024-08-15
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: South East Collection Specialist (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone : ( XXXX ) XXXX Account # XXXX Account Status Closed Charge Off Payment Status Past Due - {$28000.00} FCRA XXXX ( XXXX U.S.C. XXXX ) ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of
Consumer complaint received 2024-08-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: RSVP Lending, LLC dba RSVP Loans (UT)

I contacted RSVP on XX/XX/year> throught their support email stating I could not make payments and asked if there was other options to resolve my account. I never heard back about the email, only a text that my payment did not go through on XX/XX/year>. 
I tried XXXX times to call RSVP on XX/XX/year> and each time it would act like the call was picked up, then immediately disconnected. 
I tried on a different phone on XX/XX/XXXX with the same response. 
I called again on XX/XX/XXXX, same response. 
I called again on XX/XX/XXXX, XXXX different numbers and sent a complaint email, phone disconnected with each number and there was no response to the email. 
Now account has been sent to collections. Collector has incorrect information from RSVP. This should Not have gone to collections, I made several attempts to contact RSVP and resolve the issue.
Consumer complaint received 2024-08-15
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Strategic Financial Solutions, LLC (KS)

I believe I am a victim of ( XXXX ) of XXXX XXXX XXXX ' shell companies ( XXXX XXXX and XXXX XXXX XXXX ). I originally signed up with XXXX XXXX XXXX in 2020 to help get my credit card debt reduced and consolidated. I made monthly payments into an account ( from which they withdrew " legal '' fees from ), but I really didn't receive any actual helpful legal services from them that I can tell. They just told me to stop paying the creditors ( which caused my credit score to plummet ). 

After enough time went buy, of course the credit card companies started offering reduced settlements before sending to collections. XXXX XXXX XXXX just told me to scan and forward these offers on to them, which they then paid resulting in one large loan to me. That loan ( more than {$20000.00} ) was then transferred to a different shell company called XXXX XXXX and was structured at an interest rate of 20.99 %. When I asked them why this interest rate was so high ( as high as most of the credit cards I just paid off ), they used very confusing language about their loan being compounded differently than credit cards and making me believe it was a perfectly reasonably interest rate. 

Recently, XXXX XXXX has changed everything about their website, account login, payment methods, etc. Everything looks very shady now and I am unable to see my loan history information. I feel like this HAS to be related to the lawsuit that the CFPB and XXXX different state attorney generals launched against XXXX XXXX XXXX ( and their numerous shell companies ) in XXXX of this year.
Consumer complaint received 2023-07-19
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. (CA)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diamond Funding Corporation (MO)

XXXX XXXX ( XXXX ) XXXX : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Date open XX/XX/year> {$13000.00} Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Borenstein & Associates, LLC (CO)

Borenstein and Associates made an attempt to collect {$30000.00} for an account that was opened with XXXX XXXX XXXX. I have never filled out an application for a loan with XXXX XXXXXXXX XXXX I filed a complaint with the CFPB on XX/XX/2024. 

This debt does not belong to the consumer. The consumer is disputing the validity of the debt. In order for there to be a debt an application has to be filed in which will contain the social security number and a signature of the consumer 's agent must be upon that application. The consumer was a part of the XXXX security breach in XXXX and the consumer 's agent filed a complaint with the CFPB.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

I am writing to file a formal XXXX  regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

Our Citibank credit card was fraudulently used by a third party ( or parties ) who is ( are ) completely unknown to us. We reported this to Citibank when we noticed this two months ago. Since then we have received repeated requests for more information from Citibank. We have responded to each and every one and been assured that there is nothing further needed until they ask again for information. We have no information to give, have nothing to do with these charges and have been a loyal customer paying our bills monthly for years. We have XXXX credit and are tired of being harassed by the company to whom we pay a {$500.00} annual fee to have the card. The Citibank fraud department has continually sent us from one person to another with no resolution. While they have credited the amounts concerned, they have indicated that if they don't get to final resolution they can still invoice us for these charges. Luckily, my wife has the patience and time to respond to their repeated requests for the same information but imagine someone who didn't and the XXXX they would go through.
Consumer complaint received 2024-07-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (GA)

I refinanced my loan in XXXX with Wells Fargo Mortgage, the refinancing amount was {$60000.00} dollars, the refinance fee should have been {$3000.00} but I was charged {$6000.00} dollars. At the beginning of the loan I paid an extra {$200.00} dollars toward the principal of this loan making the principal {$500.00} per month, 2 years ago I added another {$200.00} dollars toward the principal, making my principal payment {$700.00} dollars, the money paid toward this mortgage does not add up and when I tried to get Wells Fargo to explain why I have been paying this mortgage on time, never late and paying extra on this 15 year loan, why it is paid up. I was informed it should be paid up in XXXX before I added the extra {$200.00} dollars but I am still paying on this loan. I am a XXXX  Citizens and I know I am being defrauded by Wells Fargo and I need help in getting them to close out this over-paid mortgage.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (FL)

I have a checking account with Citi Bank. ( XXXX ) Since Friday, XX/XX/XXXX, they have placed a complete hold on my account, preventing me from : - Performing wire/ACH transfers- Making XXXX payments XXXX Using my debit card I have called the customer support line of Citi Bank XXXX and they informed me that the phone number on my account can not be used for verification purposes due to a third-party service limitation. When I asked for an alternative, they said there was none and hung up on me. This happened several times, causing me to spend more than 5 hours calling and waiting until a supervisor on Saturday was finally able to access my account. The supervisor informed me that my account was " under review '' and that I would be able to access my money again within XXXX hours. To date, I am still unable to use my account or access my money in any way, which has caused me significant distress as I depend on the money in this account for my daily expenses. I went to a branch in person, and they informed me that I could do nothing other than wait.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MD)

There was a hard hit on my credit from JPMCB on XX/XX/year> which I did not authorize and do not recognize. There is also a phone number associated with my account which is not mine ( XXXX ) XXXX.
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MT)

XX/XX/XXXX I met a lady online, she had a XXXX XXXX because of her economic status. She is a XXXX  foreign national. She convinced me to sign onto an XXXX XXXXXXXX XXXX platform. I started with {$500.00}, made a little profit and was able to withdrawal the funds. Days later I invested {$2500.00}, made another profit and was able to withdrawal and return to a bank account. XX/XX/XXXX I requested the first wire transfer from USAA and subsequently XXXX other wire transfers XXXX and XXXX. 
Under the direction and step by step instructions from my lady friend I invested into what I thought was the crypto market. By XXXX, I had accumulated over XXXX according to my account on XXXX but in order to withdrawal they requested I pay them 10 % for taxes. 
My financial advisor convinced me I should not send them anymore money or continue. The lady friend said I should continue to receive my money. I stopped and contacted a XXXX party to help me recover my funds. 
After letters to USAA for reimbursement we contacted CFPB for help and USAA refused the first request. This is now a rebuttal and hoping it will convince USAA that I was duped into a scam crypto investment scheme. 
Thank you for your help.
Consumer complaint received 2024-07-19
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

JC penny credit card managed by synchrony bank increased the credit cards and is charging too much to all my accounts. 

This happened in XXXX and I didnt noticed until now. This was for the following credit cards JC penny My lowes credit card This affects me advisedly and increasing my debt keeping me in a loop for difficult payments
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I am writing to formally lodge a complaint against Portfolio Recovery Associates for the continued inaccurate reporting of a debt on my credit profile. 

I was served a summons to appear in court on XX/XX/XXXX, by Portfolio Recovery Associates debt XXXX concerning an alleged debt from XXXX XXXX, specifically for accounts linked to XXXX XXXX XXXXXXXX XXXX. The court dates were rescheduled multiple times. Throughout this period, I requested Portfolio Recovery Associates provide a valid validation of the debt and a full accounting of this alleged debt. They failed to provide this documentation and did not appear for the final court date on XX/XX/XXXX. Portfolio Recovery did not show up, and the case was dismissed without prejudice at the plaintiffs cost for want of prosecution in XX/XX/XXXX. 

Despite the dismissal of this case, Portfolio Recovery Associates continues to report this debt on my credit profile. I have asked them to cease all communications with me unless they can substantiate the debt, yet they persist in reporting it, causing significant negative impacts on my credit score and overall livelihood. On XX/XX/XXXX, I sent a certified letter via USPS that was delivered on XX/XX/XXXX, to this company asking for a full accounting and validation of the debt or to cease all communication if they could not provide me with it. They failed to provide the requested documents but continued to contact me. I was also called on my personal phone number by XXXX XXXX, one of the attorneys, on XX/XX/XXXX, after my letter was delivered expressing no contact regarding this matter. 

I am requesting the CFPBs intervention to compel Portfolio Recovery Associates to remove these inaccurate accounts from my credit profile and to compensate me for each violation done by Portfolio Recovery Associates. They knowingly obtained my credit profile without any permissible purpose multiple times, as shown in my consumer file. The continued reporting of this invalid debt is unjust and detrimental to my financial well-being. 

Please find attached copies of relevant court documents and any correspondence related to this issue.
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX was tenant in my household, and I found my credit statements in his possession on XX/XX/year>. It was a Home Depot statement, and I was unable to review the statement. He also used my Macy 's XXXX XXXX card and moved items that were purchased to another address. He has taken items to another address at XXXX XXXX XXXX, XXXX, New York. He also had his associate XXXX XXXX XXXX XXXX ) remove XXXX large tubs of paint from my front yard after I questioned him about using my Home Depot credit card. I did not question XXXX about this matter. He was instructed by XXXX XXXX to load them in his pickup truck whereupon they were transported to a location in New Jersey. I called the police because I told XXXX XXXX that he could no longer reside in this home. I have filed complaints on various charges that are on my online statements although I used paper statements with Home Depot.
Consumer complaint received 2024-08-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southern Auto Finance Co (FL)

The IRS has officially discharged and canceled this purported debt/security, as evidenced by the submitted IRS Form 1099-C for debt cancellation. I am supplying a copy of this form to the debtor. Despite this, Safco continues to pursue collection efforts and is making misleading claims regarding a debt that has already been canceled according to IRS records. I request that all communication cease immediately.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, it has come to my realization that my XXXX took out credit in my name while I was at XXXX. This credit was not for me and now I have been stuck with this debt as he no longer can afford. This is pure ID theft and I have reached out to the XXXX companies and they have not replied back nor has the XXXX reporting agency. This is not fair as I am a new graduate and I can not be stuck with debt that i did not take out for myself. Please help me Accounts XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit is important to me. I have a genuine concern regarding the inaccurate information I am seeing on my report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC (GA)

Im filing a complaint of harassment Against William Rush & Associates. They have been attempting to collect a debt that I do not owed since XXXX, which is outside of the statute of limitation from XXXX. The amount of debt of {$7400.00} is not accurate. The company, William Rush & Associates, has not provided me with any proof of ownership or a Bill of Sale regarding this debt. I do not owe this amount and deny their allegation. I've previously filed several complaints ( XXXX, XXXX, XXXX ) against the company on XX/XX/XXXX and filed several disputes where the collections were removed, however every 6 months or so they kept assigning the case to another collection agent which is illegal. All the supporting documents were previously added to the previous complaints. I will seek litigation for monetary damages along with the violations they have already committed. 


According to GA Code 9-3-24 : All actions upon simple contracts in writing shall be brought within six years after the same become due and payable. In other words, creditors and collectors must take you to court for any debt, based on a written contract, within six years of the last action on the account. 



GA Code 9-3-25 states : All actions upon open account, or for the breach of any contract not under the hand of the party sought to be charged, or upon any implied promise or undertaking shall be brought within four years after the right of action accrues.