davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Let me first bring to your attention my mortgage has never been late. However, the payments sent via system transfer monthly for {$1400.00} but instead it caused my mortgage to become delinquent due to the process decision. Here are the reasons : Discrepancies # XXXX Forward mortgage approved from XX/XX/XXXX to XX/XX/XXXX, for $ XXXX via system transfer monthly for {$1400.00} First payment sent XX/XX/XXXX was credit on XX/XX/XXXX Second payment XX/XX/XXXX credit on XX/XX/XXXX Third payment XX/XX/XXXX credit XXXX Fourth payment XX/XX/XXXX credit on XX/XX/XXXX Fifth payment XX/XX/XXXX credit on XX/XX/XXXX XXXX payment XX/XX/XXXX credit on XX/XX/XXXX I continue to receive past due statements for XXXX {$2900.00}, XXXX {$2900.00} and XX/XX/XXXX {$4400.00} and the arrears continue to increase. 
Discrepancies # XXXX Modification was denied said I was unemployed ( not true ) I faxed 30 days of my pay stubs. 
Discrepancies # XXXX Foreclosure Discrepancies # XXXX XXXX XXXX said that they did not receive my acceptance and the verbal deferment is now expired. 
Discrepancies # XXXX XXXX XXXX put me in a Second Principal Balance for {$10000.00}. 
Discrepancies # XXXX Government approved me a Mortgage Reinstatement in the amount of {$8900.00} through XX/XX/XXXX under First Principal Balance and my mortgage company sent the fund back and gave no reason and did not apply the fund to my mortgage loan. 
My mortgage have caused me financial hardship, stress and anxiety. 
Thank you for your kind consideration. 
Sincerely
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OR)

Upon reviewing my credit card statement with Chase Bank, I noticed two charges of {$700.00} from the same vendor. One charge was legitimate, but the other was not. After months of discussions with the vendor, the vendor agreed to issue a refund for the duplicate charge, but as of XX/XX/year>, I have not received it. 

I filed a dispute case with Chase Bank on XX/XX/year>. On XX/XX/year>, I received an email requesting additional information, which I have collected. However, before I could submit the supporting documents, Chase closed the dispute, claiming it was resolved. The issue remains unresolved.

I called Chase Bank, but the support specialist couldnt explain why the dispute was closed early or why it wasnt resolved. I requested to escalate the issue, but was denied. They offered a callback within a week, but no date or time was given. As of XX/XX/year>, I am still waiting for a response on the status of my dispute and resolution from Chase regarding the duplicative charge on my account.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Solar Mosaic LLC (VA)

A loan account in the amount of {$74000.00} has been opened and showing up in my credit report which I have no knowledge of. The responsibility on that account is stated as " XXXXXXXX XXXX XXXXXXXX XXXX '' which I have never heard of or talked to. The account has an address ( XXXX XXXX XXXX, XXXX, TX XXXX ) in Texas which is a state I have never visited. 
Name of the company is Solar Mosaic. My call to them proved they did not have my name, social security number, address and other personal information in their database. 
I am disputing this account and need it removed from my credit report which has really affected my credit. 

Dispute report filed with XXXX, XXXX and XXXX.
Consumer complaint received 2024-08-14
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. (AZ)

Complaint against LVNV Funding LLC and Experian Inaccurate Collection Account on Credit Report I am filing this complaint regarding an inaccurate collection account reported by LVNV Funding LLC on my XXXX credit report ( Account Number : XXXX ). 



1. **Failure to Investigate ( FCRA Section 1681s-2 ( b ) ) : ** LVNV Funding LLC failed to conduct a reasonable investigation after the account was disputed as inaccurate and removed from my credit report years ago. Despite providing evidence, the account remains on the credit report as a collection.

2. **False Representation ( FDCPA Section 1692e ) : ** LVNV continues to report this debt as belonging to me, which is false and misleading. As they are debt buyers and have purchased the debt to which I have proven i am not party to.

3. **Unfair Practices ( FDCPA Section 1692f ) : ** Reporting incorrect information to damage my creditworthiness constitutes unfair and unconscionable practices and I have suffered damages because of the violations. I demand restitution.

4. **Dispute Handling ( FCRA Section 1681i ) : ** Experian has not properly handled the dispute by failing to remove the inaccurate information after already removing it before as it was identified as identity theft.

5. **Inaccurate Reporting ( FCRA Section 1681s-2 ( a ) ) : ** LVNV is furnishing information they know, or should know, is inaccurate or incomplete.

6. **Harassment ( FDCPA Section 1692d ) : ** The continued false reporting contributes to harassment and abuse. My consumer rights are being violated with the defamation taking place.

7. **Improper Access ( FCRA Section 1681b ) : ** LVNV lacks a permissible purpose for accessing my credit report as a third party interloper.

Immediate removal of the inaccurate collection account from my credit report and confirmation of this action. 


Thank you
Consumer complaint received 2023-03-14
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Management Holdings, LLC (LA)

I am submitting a complaint in reference to this company knowingly reporting inaccurate information data. XXXX XXXX credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE ; I demand proof " TO SEE '' VALID Authorization/ Proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq.

I AM MAINTAINING A CAREFUL RECORD ON MY COMMUNICATION WITH YOUR COMPANY.

15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

When a collection agency purchases a debt, they can not re-age the account to restart the clock, if this is not a practice used by CREDIT MANAGEMENT COMPANY then disclose all records tangible items, including emails, reports, and data, as well as answers to written questions and oral testimony to the contrary Since Federal laws override state statuary and 3rd party violations have occurred that means 18 U.S. Code 371 - Conspiracy to commit offense or to defraud United States has also been activated because of previous or prior insurance agreements in place and not disclosed and that also relates and brings up 18 U.S. Code 1001.After this account was placed in collections, did the alleged original creditor sell the debt or did it assign the debt, and how would it be known, If the correct validation is not attached just a statement with a debt collectors and an alleged creditors letterhead attached, proof is needed.
Consumer complaint received 2024-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

I am writing to formally lodge a complaint regarding a recent issue with my CashApp account. On XX/XX/year>, the XXXX XXXX XXXX attempted to charge my account {$570.00}. This transaction was declined. Upon investigating the reason for the decline, CashApp informed me that the hotel had placed a hold on my card for this amount. However, the hotel manager has since provided evidence showing that no such hold was placed on my account.

Despite this, CashApp continues to insist that the hotel has placed a hold on my account, which is not true. I have been unable to decline the transaction or receive a refund. CashApp has been unresponsive and unhelpful in resolving this matter, even after several complaints and confirmation from the hotel staff that no hold exists. 

It has now been three weeks since the issue began, and CashApp maintains that the hold is still in place. This is unacceptable and has caused significant inconvenience. It should not be the case that it takes CashApp only seconds to withdraw funds from an account but requires an extensive waiting period to correct their mistakes.

I am requesting immediate action to resolve this matter. Please ensure the {$570.00} is returned to my account promptly and provide a clear explanation for this oversight. If this issue is not resolved quickly, I will be compelled to escalate this complaint to regulatory authorities and consider other actions to safeguard my financial interests.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I have been a customer of Citicard for 26 years. My bills are on autopay. 

I recently looked at my account statement and the numbers don't add up. I have not had this problem before. I first spoke with a representative, then a supervisor, and now ( XX/XX/19 ) a person ( XXXX ) on the corporate team. They have been unable to explain the bill to me and are giving me somewhat contradictory information. I asked XXXX several times if I could speak to someone else and he refused, saying he was the highest level. I finally gave up in frustration.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (MN)

THIS NOT A DUPLICATE ISSUE AND CITIBANK IS FRUADULENTLY COLLECTING VIA FALSE REPRESENTATIONS VIOLATING Minnesota Statute 548.101 AND NOT PROIVIDING EVIDENCE AND LETTER TO XXXX XXXX TO INVALIDATE THE " UNKNOWN DEBT ''. CITIBANK MUST REFUND {$1200.00}. 


On XX/XX/XXXX the call from XXXX XXXX stated that the debt originated in XXXX by Citibank and weeks later, it changed to XXXX then Citibank confirm this debt originated in XXXX with no documentations to provide. XXXX XXXX provided false information and without any documentations evidence to collect 'unknown ' debt that is NOT mine in XXXX which is also past the statute of limitations in Minnesota XXXX XXXX XXXX with Citibank made 'False or misleading representations ( e.g., lying about who they are, the details of the debt, etc. ) '. To date, I have not received the refund and the law requires XXXX XXXX ( debt collector ) to provide information such as the name of the creditor, the amount owed, and how to dispute the debt if you dont believe it is correct. If a debt collector does not provide information during initial contact, they are required to send you a written notice providing this information within five days of initial contact. XXXX XXXX DID NOT provide any documentations AND insisted that ONLY CITIBANK can provide all these details. I contacted Citibank and they do not have any documentations either. BOTH XXXX XXXX and Citibank failed to provide evidence to their claims of this 'unknown ' debt that occurred in XXXX pass the statute of limitations and caused myself & family very much stressful weeks, anxiety and harassments. In summary - XXXX XXXX ( XXXX XXXX ) confirmed that the paid funds were channeled to Citibank XXXX, and she is in contact with Citibank who is aggressively seeking the 'unknown ' debt. AT the same time, Citibank is denying in my reports to CFPB that they have any knowledge or involvement, Resolution : Citibank sends XXXX XXXX ( XXXX XXXX ) an affidavit that states the 'unknown ' undocumented account is XXXX balance and refund the paid total sum.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (VA)

I wasnt notified about debt no phone calls no letters nothing from southwest credit systems but somehow ending up on my credit report. I do not have a contract with them never did. I think its unfair to consumers that companys can just add debts to your credit reports without notifying you about it. It should be laws against this practice.i didnt receive a debt validation letter from company saying the debt was mine and this is against FCRA and FDCPA
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Fair credit reporting act. The list of account below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681. 
The Fair Credit Reporting Act of 1970 ( My Account number are X out ) Attorney General-Chi # account number XXXX XXXX # account number XXXX XXXX XXXXXXXX # account number XXXX XXXX XXXX XXXX Account number XXXX XXXX/Dept Of Ed # Account XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shell not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-08-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION (FL)

On XX/XX/year> an unauthorized withdrawal was made against my Sun Coast Federal Credit Union saving account. in the amount of {$9000.00}. 

I did not authorize the withdrawal and was not informed before allowing to process through the bank. 

Nearly 30 days passed when on XX/XX/year> I was notified that both my checking and savings accounts were frozen due to fraudent activity. It was only when I called the XXXX that I learned about the fraudent transaction. 

I went to the local branch and changed both checking and savings account number and both our debit ch=ards. I also changed our online banking password.Next I completed a fraud affidavit with the banck.
Consumer complaint received 2024-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duncan Solutions, lnc. (ID)

I received a bill from the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX for not paying a tollsometime late XXXX. The picture attached to the bill was not my car and obviously had fake plates on it. During that time I was home working for the XXXX XXXX XXXXXXXX XXXX as a XXXXXXXX for a XXXX XXXX XXXX. I responded to the toll commission with this info and a picture of my XXXX with the real plates on it. They did not respond. 

Around XX/XX/XXXX I received a bill from PAM, a collection company for the bill. I responded to them with the same info and a copy of my title and registration for my vehicle. 

Now they are asking for a police report showing I was not in possession of my car. They obviously will not listen or understand the fact that it was not my car and I do not have any documentation for a fake license plate in another state.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

My loans from Nelnet were paid off in XX/XX/XXXX and they are still showing with an open balance on my credit reports. The last time they updated was XX/XX/XXXX. 

The current wait time to call them is over XXXX hours.
Consumer complaint received 2024-08-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC. (CA)

Right before the pandimic hit the United States my car payment were being return from the loan place that I had a contract with " Gate Way Lending ''. After the second payment check was return I called and I was infromed that this company or department was no longer serviceing the loan and the new company would be intuched. So I never recived a welcome packet or letter from the new organization that assumed the loan. The pandimic hit and finally found out the after calling to find out whom I was suppose to pay. 


Santander Consumer USA so I send the remaining balance to this company. Know years latter I find them on my credit report, with negative reporting. Incredible. Need to be corrected.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

It's past 45 days and you didn't provide what I asked and I'm legally entitled to. Attached is a copy of my NOTICE to file suit ( you will be served yours within the next 7 days ) and you have no more time to fix this issue outside of court. Legally you must remove the account until a court ordered reporting the corrected status is given. From this point on my Attorney will be in contact and each day after this complaint my account reports is a remedy of {$500.00} for you and XXXX XXXX  per violation for XXXX. Please read each document throughly. You guys don't answer my calls and leave my emails on read.
Consumer complaint received 2024-08-13
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: Global Lending Services LLC (WI)

I've contacted all ( 3 ) three companies to inform them that I did not authorize any inquiries from them ; and to report this to the three Credit Bureau. 

XXXX XXXX XXXX Global Lending XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

On XXXX I placed an order with XXXX. For this order I specified no tomatoes and no salad, and this is my standard order due to the fact that I XXXX XXXX XXXX XXXX. I'm not necessarily allergic, but XXXX XXXX XXXX XXXX XXXX  ( this only applies to fresh tomatoes ). When my order was delivered, I discovered that it did include tomatoes and salad, and the receipt clearly states to exclude them. I immediately contacted XXXX and advised that my food was no prepared to my specifications and that I would not be able to eat my meals. Their response was to offer me {$10.00} in compensation for a {$58.00} order. I advised that I would be disputing with my bank, but I have not been able to resolve this issue with my bank. After Chime " investigated '' this 2 times they concluded that no error had occurred even though I submitted photos of my receipt specifying no tomatoes, as well as pictures of the tomatoes I picked off and tomatoes on the actual food. It is unfair to me as a consumer that I have to pay for a meal that I was not able to enjoy. I have made further complaints against XXXX in order to resolve this matter and I as submitting this complaint against Chime because I do not believe they use thorough investigative procedures, if they actually investigate at all.